Fortunately, not me, but my brother-in-law was out for a Friday night spin in his Golf R32 last night. His account was that he left the lights "quickly", lost control and hit the side of an ambulance on the other side of the road He's VERY lucky nobody was in that ambulance, but £100k worth of damage has been caused. Police rightly gave him a hard time and charged him with careless driving. Pretty much open shut case as far as they're concerned - young man, R32, bling wheels, friday night = carnage on the road. So, my question is - what are the likely repercussions? Would his insurance company pay for his replacement car? How much could he be fined by police?