After being here over 10 years.....(I study here, marry here...have my two kids here....)
"Being as an asian in the US" is also consider king of "handicap", most American people think your are from pooer country and have no "connection" to people....
I admit I'm a bit of nagative on how most American people look at Asian people...
That's why American people usually try to take advantage over asian people. If you dare to standup and fight back....They will treat you differently.
It'll would be better if you get a Comprehensive coverage from your insurance. It gives you a piece of mind but you still got you respond for your driving...