That’s strange I was on opiates years ago for my back and my insurance paid just fine, in fact my insurance rate went down after the accident! I had a very nice Buick. It was older but very well taken care of. I bought the oil that was specifically for older cars. The guy insurance guy who inspected my car was impressed with that oil. At the time I thought it rather odd that he’d checked the oil but I was paid the full replacement value of my Buick.

I was driving from Texas to Minnesota for Christmas and hit black ice patch and spun out. My car was totaled and at the time I was on fentanyl patches plus some strong pills. It was never an issue. Boy do I miss that car. It was a boat but a nice comfortable smooth riding boat. I went down a ravine and that Buick kept me safe.