And Tell Me Stereotyping Doesn't Work

Couple of weeks ago, third generation Mustang driving dude, tattooed, pierced, no shirt, rear-ends my car, gives me a smug smile, offers "Don't worry, this is what insurance is for, ha-ha-ha", and drives away.

So tell me, why am I not surprised to find out that the bastard is hiding from both my and his own insurance company, which, though puts him into a position of "guilty by default", makes me responsible for paying for the damages that he caused?

And don't you ever tell me stereotypes are wrong.