A conversation with my Insurance Co re rates, revealed: ALL of us ARE Paying for the near exponential replacement costs of all those clever gew-gaws intended to let you be a complete A-hole driver ... and escape, maybe undeservedly ... to crash another one.

Check it out on your renewal.. {sigh} (Of course it does make simple actuarial-sense, we see; it isn't just another price-rise scam. But that factoid doesn't Help :-/