In the summer of 2016, my pregnant wife and I found ourselves in a terrifying situation. While test driving a Subaru Outback, a car seemingly appeared out of nowhere and T-boned us. All airbags deployed, and the vehicles collided in a shower of glass and plastic. Miraculously, everyone, including our unborn baby, was unharmed. The next day, we learned that our insurance would cover the cost of the dealership’s car, sparing us financial strain just as we were about to welcome a new family member.