A question about the insurance in regards to the accident he had.<p>He says "Bill had crappy insurance, paying out a maximum of $20,000 for the accident". He says the total bill was $130,000, so is he implying that he himself had to come up with the other $110,000? If that's the case, then why did Bill have insurance at all? I mean, if Bill's insurance would pay $20,000 then Bill himself would have to come up with the $110,000 right? I guess I'm missing something here...