As citizens, we all owe each other a duty of care when we get behind the wheel of a car. The same goes for a doctor performing surgery, a trucker operating an 18-wheeler, a grocer who opens a store, and a company that manufactures products. A duty of care means we should do what we can to act reasonably and keep each other safe. Medical payments and dealing with issues of uninsured motorists can require specific experience to address. Drunk driving in New Jersey is on the decline, but it is stil...