In the beginning scenes of the 1990 movie Home Alone, a pizza delivery boy finds himself in a predicament. He is in the process of delivering a stack of pizzas to the McAllister home filled with 15 members of the extended family as they all prepare to leave on a vacation. It’s a madhouse, with everyone running around in different directions, and the delivery boy is trying desperately to track down the owner of the house. His overwhelming thought is, Who is going to pay for this? He doesn’t care who, as long as he doesn’t get stuck with the bill.
When you are involved in an automobile accident, often one of the first reactions is, Who is going to pay for this? As you are inspecting the damage to your vehicle and those involved in the accident, you begin replaying the accident in your mind. You start to calculate the cost of all the damage and wonder who is going to be responsible for it all.