[Koblenz]

I haven't rear-ended anyone actually. I've only been in two wrecks. Once, a lady rear-ended me while I was stopped in a traffic jam (and pushed me into the car ahead of me). Another, I was driving up my driveway 5 mph and hit a patch of ice and hit a stone wall, causing $700 in damage to the car.

However, I can't say that I will never be in a wreck that's my fault, or at least that I'm responsible for (my fault: I'm not paying attention. My responsibility: my brakes give out). However, I think that motorcyclists can cause unnaturally high insurance rates because wrecks with them are inordinately costly. Motorcycles cause everyone to get much more insurance than they would if it were just cars.

Sure, just motorcycles could work, except that some of us have children, and in some places, it rains or drops below freezing.

[Old Professer]

Rates are influenced more by the cost of repairs (inflation) than by the cost of injury.