I once meet a young man who in their first 18 months of driving seemed to get in accident after accident because of his recklessness and disregard for his fellow driver and humans in general.  I unfortunately meet him because his parents were in desperate need of an assigned risk auto policy, because their insurer wanted to cancel them if they didn’t remove him from their policy.  All he wanted to know when he met me was, if he got a sportier car, would it cost more to insure.  He wasn’t paying the bill, so why should he care.  He had little regard for how his actions affected others; it was clearly all about him.  People like him are a main motivator for me to have a Cabin In The Woods.