I thought I heard that insurance laws changed maybe since then or around that time and there was a reason for a lot of hit and runs. I don’t know, but that was my experience a while ago. The weird part was mostly how the dude had no visible reaction at all except to take off, which probably could’ve been anywhere.
As an out of towner I did have trouble with the short on ramps. I wasn’t sure how to get into a rhythm because there was no place to get up to speed. I didn’t like feeling like I had to shove my way in and it was hard to tell how to let others in safely. I suppose you just know those things when you live there long enough.
I learned about the infrastructure at the time but that’s why being unaccustomed was a hinderance, especially when it’s unexpected. The insurance stuff seems likely more in line with what I was told than what I was remembering in short.