Sure, shit can happen, but in driving most "accidents" are avoidable, they result from poor decision making of the part of the driver.  The insurance tables price out based on this.  Even discounts for good drivers factor in driver error.  I don't make errors driving, so my rates should reflect the extremely low probability I would ever make a mistake driving.  They don't.  I evaluated my odds of having an accident and bet I wouldn't have one every time I got behind the wheel for 50 years.  I won the bet every time, so obviously I made a good bet. lol.

RE

Failure is inevitable.

Quote from: TDoS on Jun 02, 2026, 07:20 PMYou, as an exception, most certainly do not define the rule. 

Never said I did.  Just that for me as an individual it made more financial sense to take the risk.  Which as it turnhs out was the corredt decision.  It would have still been true with a few typical accidents as long as the costs came to less than $50K.  The only case not true would be a large liabilitty claim if I killed or hurt someone badly.  For me, I considered that chance negligible, and again I was right.  Had I been wrong,, well the injured party would have been shit out of luck.

RE

Oops, sorry, I accidentally overwrote your post instead of replying to it.  Feel free to rewrite it, I won't delete it.

RE