I got into an accident by being struck by lightning. I lost consciousness when I came to I was very confuse. I was in the side of a bridge with my foot on the brake looking at a river. My car was totally! My airbags didnât even deploy. Iâve been paying the price for this with higher insurance rates with an accident on my record. No police report was filed or called because I was fine just confused. Even with it being an act of god, Iâm paying for it