Teenage insurance?

[KenWittlief]

but thats what insurance is - spreading the misery out over a large group of people, so that no one person has to spend the rest of his life paying millions of dollars

because he blacked out behind the wheel and ran into a microbus full of Nuns carrying boxes of kittens to the disabled children at the outreach center!

At the end of the year the insurance companies add up how much they have paid out in claims, and divide it between their customers, based on their best assestment of the risks each group represents.

They dont pull those numbers out of the air (or anywhere else) - its based on what actually happens on the roadways during the previous year.

If all of a sudden everyone stopped having accidents, insurance rates would plummet!