[JavaBrewer]

I went 15+ years without a single stop or incident. Then a couple months back I was an idiot and was stopped in the neighborhood going 35 mph (25 mph residential), not wearing my seatbelt, and talking on my phone. Got a warning... wow what luck. Then the next month wham -

1. Tried to merge into an occupied lane resulting in fender bender. $3K damage to the other car, didn't even lose paint in my Audi TT.
2. Ticketed for a rolling stop in a 3 way intersection = $195 thank you very much.
3. Wife backs SUV into a Dodge Neon that stopped right behind the wife in the parking lot. $1.5K damage to Neon, cracked lens on the Discovery

Can't wait to see what the insurance co is going to do to our rates...

Yep the highway flow of traffic is usually 80 mph around here with the lifted 4x4 trucks and commercial stuff going +10 mph on that.