False, I think. I just pay for it and make sure I pay a bit less for little mileage I drive as well keep a higher deductible to further reduce the cost.
Next person had to fight a car insurance company to receive a fair payout at some point.
True. Somewhere around 12-ish. I don't drink coffee too early either (start somewhere 1000-1100), just so the effects keep me going and I don't crash too early.
Next person drinks just one big cup of coffee per day and before certain time.