Think about it: no traffic, no guard rails, no shoulder, plenty of visibility. Seriously, how are you both so dumb that you get into an accident in these kinds of conditions?

"Hello, Farmers Insurance? I've had an accident... can you give me a quick quote for repairs?"

How does that even happen?

I'd love to say, but y'know, I've places to be and... uhh... things to do... yeah... WELLOKBYETHEN!!!