It is common to see a small crowd around two angry men (sometimes women) in the middle of a busy road. Sometimes, the angry voices lead to fisticuffs. And on rare occasions, a gun is pulled out and used. Other than the victory of brawn over brains, it is the lack of a process to sort out the differences between drivers that causes altercations on the road. A good insurance system that will evaluate the damage and get the person who was at fault to pick up the tab from his insurance company ensures civil behaviour on roads after an accident in mature economies.