I'm that driver (in the Northeast).
I've never done it but I can't even begin to count the times I've thought, "I'll run right into ya and not even flinch" because my cars aren't worth much. However the girl has always had new or at worst, new-ish vehicles so when I drive those my mindset is, "if you hit me, I'll beat you senseless right here on the side of the road". If I had a $100k vehicle, I don't think I could sleep nights worrying about door dings and the like.