On August 16, 2015 at 21:06, 3PedalMINI said...
Its pretty obvious who he was referring to, Its pretty obvious the dump truck drivers insurance is paying for the damages
And yet, so many were posting as if the OP's insurance would be paying for it.
Sorry to quote the whole post, but if I hadn't and there was no reference to who I was replying to, Ernie would have asked who I was replying to and now, he's probably going to bust my chops for using 'who' instead of 'whom'.