It absolutely affects others. Especially so when you have an accident. How do you think the insurance companies pay for the accident if you aren't paying your fair share because you're defrauding the insurance company by lying to them? Good, honest drivers subsidize that cost.
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2011 370Z 6MT Sport Gun Metallic | ARC | CJM | Ecutek | FI | Fujimura | R2C | SPL | Stillen | TWM | Z1 | ZSpeed | |