I'm beginning to think I must be accident prone. In the years I've owned that Jeep, it's been in no less than five accidents. Only one was my fault--somebody jammed on their brakes in front of me, and I couldn't stop in time. Two of the others actually happened in parking lots when I was inside stores. It's almost as if somebody painted bullseyes on that Jeep.
I'm sure you're correct about my insurance rates. Not much I can do about it--such is the system we're stuck with.
Rick