That is how I look at my auto insurance. It covers me from others, and covers my wife because she's a female and we all know they can't drive for shit.
BTW, you pay insurance premiums to cover yourself against idiotic drivers without insurance as well. Same principal. You pay for someone elses stupidity and negligence.
Sort of. One difference is that I am not already paying those drivers. I am paying UPS to deliver the package -- which you would think means not beating the hell out of the package. (Any monkey could do that).
2kchev will be happy to know that I like Tool and didn't know it. //content.invisioncic.com/y282845/emoticons/fyi.gif.9f1f679348da7204ce960cfc74bca8e0.gif