The insurance company cares only to the extent of how much money they will have to pay out
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I sort of ‘beat’ the insurance game but I do notice on occasion of ‘checking out’ the bennies, that a lot of time terrorism or act of war is excluded.
Maybe that is why ‘they’ are reluctant to name something a ‘terrorist attack’???
As to your driving habits(Sport)...I basically do the same AND when pulling up to a red light...where to bail if someone behind apparently isn’t going to stop, where to turn if the left turner is going too wide...Also if a semi behind me and the light is turning red I will move to an ‘empty’ lane (as long as he isn’t)..
I had not thought of that before but I suspect that you are right