I'm 22... I don't want to call my insurance because it'll go against me. I called them today asked them even if it wasn't my fault would it go against me... they said "maybe" and maybe isn't a pretty word for me. The system already screwed me over once before and I am not too keen on getting raped again. If it comes to a lawyer I am gonna get one. Once this fiasco is over I am sending a letter to the school paper pointing out to everyone that this place isn't paradise.