My sister used to work for the city that she lived in. She was working late at night, was the only car on that level of the city garage and a POLICE CRUISER backed into her. And even though it was his fault, her insurance had to pay to get it fixed because city vehicled aren't liable for accidents.
A priest I worked with had a similar problem. A school bus hit the rear end of his car as it was coming up to the school to pick up kids. Because it was a city school bus again their insurance does not pay.
And a few years ago I got hit turning into my own street by a car trying to pass me on the right. He sold snow cones for a living, had no vailid driver's license and no insurance.
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