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Yes, there are some things that are worse:
Being hit by an guy smart enough to have FAKE insurance and having the cop being DUMB enough to let him go.
That's what happened to me 6 months after I bought my first new car; rear-ended just like you while stopped at a red light.
The cop let the guy go without even a ticket!! Later they discover (through my insurance company) that the guys insurance info was bogus. They (of course) are "still looking for the guy". Right. I'm out a $500 deductible and my brand new car loses $10,000 in street value, so that helps a lot.
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