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The transcontinental railroad became the gateway to the West. In 1862 the Republican-led Congress appropriated vast areas of land that railroad companies could use to lay their tracks or sell to raise funds for construction.
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Nations with low literacy rates have a lower education and when a nation has lower eduacation less people know how to do jobs and take care of themselves they make less money and cant take care of themselve where as higher literaacy
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If you want your friend to pay damages it's a civil suite you would have to take him to court and file a report. If you only have liability your insurance company won't cover a single car accident it only covers the others cars and or people you are involved in an accident with. Full coverage is the type that covers such accidents with usually a deductible included.