403youandme

Well ill be that guy and ask, did you have any of "bright light" or other commonly thought of near death experiences?

Millionaires don't stay millionaires very long without diversified income streams.

What conditions have to be met for Alcohol and/or "Speed" to be considered a "factor" in an accident? I've heard rumors that if there is any alcohol present in the accident, regardless of the at fault drivers impairment, alcohol is included as a factor, same thing with speed. If either car was speeding even if it didn't directly cause the accident, it was deemed a factor. The idea being that it was used to pad statistics.