All he had to do was maintain the speed limit and pass me in the left lane. He came close to getting himself wrapped around a concrete light pole.

Lucky break he’s still alive. That kind of stuff is ridiculous. Did you know that car insurance premiums are twice as high for 16-26 year-old males than females? I came to learn this with my 3 sons. The money I’ve / we’ve paid is obscene. Your example is probably one of the reasons.

Yes, for which reason I did not have car insurance until that was not a factor.

Yes, seriously. I will not be subjected to what under any other circumstance would be unlawful discrimination.

Imagine insurers charging black drivers twice as much as white drivers. We should not tolerate any of that sort of thing.

As for “oh but something could have happened!”, yeah something can always “happen” but happenstance is not a stance and I take responsibility for my own actions.