for auto insurance, $500 * 30 years = $15,000 think i started out paying $500 a year for insurance. during that 30 years, i received $2200 for a bent rod that i caused, and i received around $1200 because some chicky-poo smashed into my truck while it was parked. i'll leave it at $500 because there are years where i didn't own a car, but i've paid as high as $2400 a year for full coverage. one of these days, i'll break it out as to what i paid in and have received, i do have all the paperwork to reconstruct it. but even a rough guesstimate proves that i've paid a heck of a lot more than i got back. i don't see anyway that me, myself and i can be an exception to the majority of people out there. and that's with me even driving under the influence, not that i do it on purpose, even gave up going out to drink. how you explain how an alcoholic can do 30 years of driving with a result of only minor paint rubbing? i tink your stats are borked, or i'm just one hell of a driver.