Things that go bump in the night

Ever notice how things just do not add up? Since we are protecting the innocent and/or guilty, (In this case, Innocent!) we will just pretend this happened. Let's say that someone is driving a cheap jeep behind another nameless in an expensive motorhome. And they stop at a red light. Someone looks down because "EEK, IS THAT A BUG IN MY DRINK I JUST BOUGHT?" Her foot slips in her distraction and she is brought back to the present rather smashingly. The motorhome quickly develops two "earthquake" cracks in the back and a light covering falls off. Someone jumps out of the jeep and puts the covering back on. Then she looks to see what happen to the cheap jeep and there isn't one little scuff. Shouldn't the cheap jeep have the cracks and the expensive motorhome be scuff less? And since nameless and someone pay for the insurance on both vehicles, whose do they file on? Somethings just do not add up!