After submitting all the necessary paper works, now the bank is now asking for previous year tax returns of the owner (owner has not worked in 2 years due to a car accident), and the bank knows that the owner has been unemployed for the past year.

I did most of the big stuff almost out of accident but I could have been better.  

However, insurance is limited because it only protects you from one type of liability: accidents/negligence.

Oh laundry....I'm an expert by accident not because I want to be.

Never admit that you had a responsibility in this accident or that you have done anything improper or unwise.My prayers are for them and for you as you work through this tragedy.

if you accidently spill paint always get it up right away it will be easier to do it now with a wet rag then latter with a scraper.always clean your area before you start.

Both the bike rider and the person in the car will have an accident.

I would sleep better at night knowing that i did my part in accident prevention.

"Could get" because they are not offered voluntarily, and once I found one by accident in the store (Lowes), I read a but about the stain warranty, and there is always a loophole for them (even with cut pile carpet.... :)Stain warranty for example, you have to professionally clean it (not renting, but getting Stanley etc. in ) once a year AND once the stain occurs.

Kevin, sounds like you're a rinse and repeat type, intentionally or by accident, sorry but that's pretty poor.