It's weird that you mention what your wife tells you because I was discussing something similar with my insurance agent the other day (it was around hitting deer). She told me to just hit it because they really are starting to look at people who use that excuse and run off the road or hit something else. I asked her about cars hitting me, and she said to let them hit me because then they know who to deal with, but if I hit something, and the other person leaves, and I hit someone or something else, then it's all on me.
It's dangerous here in Maryland, and even more so in Baltimore. Too many people cutting other people off so they can jump the light or try to get ahead. I hate going downtown for numerous reasons, and that's just one of them.