This is exactly why I won't use it. In my entire driving live, which is a long time, I had exactly one accident, and that was three years ago, a small fender be

This is exactly why I won't use it. In my entire driving live, which is a long time, I had exactly one accident, and that was three years ago, a small fender bender that they paid $0 to other parties. My rates shot up. They ignore the 25 years of flawless driving before that, and the safety courses I've taken.