OUCH that sucks, i get a bit of a discount on my insurance from having no accidents, and it'll keep going up as my good driving record continues
I also have not speeding tickets, so that helps the price. Don't ask me how i haven't got a ticket yet though, it's a mystery to me.
Only thing i've done, is a "sort of" cut a guy off (i had enough room, he was just bitching) and i started to slow down so i could pull off the road cause i was having car trouble, and i was a really new driver so i kinda paniced a bit.
Anyways, what it looked like from the slide marks on the snow was that he braked hard, then tried to turn in to the street where i stopped, (probably in a bout of road rage, so that he could school me or something) and didn't even come CLOSE to making the corner, and slid into a snow bank, and it wrecked the plastic piece that sits under the engine. And in my infinite stupidity and not wanting it on my record paid him the 75 bucks for a new one, should of told him to go suck it...