well, there's a good point...if you live rural, chances are a lot less...but if you commute in traffic everyday, then someone will eventually get you...I have been very lucky dodging accidents, but I am use to people doing dumb things...I see it everyday in the big rig...I have only had 1 accident in 3 million miles in the big truck, and I just had no where to go...2 cars next to me rear ended each other and slid into to the side of me. We had Dayton I-70 backed up for miles...new hood, new bumper, new budd wheel, new tire..$6500...poor girl that hit me didn't have a clue how close she come to death that day.