> Insurance is not a punitive fine or lottery It functions as one, regardless of intentions. You could also look at this the other way: the person driving the

> Insurance is not a punitive fine or lottery It functions as one, regardless of intentions. You could also look at this the other way: the person driving the rust-bucket with 0 functioning airbags might win more injury compensation than the individual driving something solid with 9 airbags and walks away.