I'm sure you have discovered by now that New Hampshire is not a compulsory insurance state; the guy wanted to fight with you because he knows his drivers license will probably be suspended until he pays for all damage and he feels stupid , and I'm pretty sure your rental co. carry's insurance anyway. So I do hope that all worked out well for you. Great video ! I am making plans for this fall. This looks awesome and; am looking forward to the creepiest family vacation of all time.