If you drive 100% legally you statistical increase your chances of getting in or causing an accident. (Well-known fact)
If you teach your kids how to drive there is a 100% chance you'll lose your mind! Couldn't help myself.
NMA..just curious what association the letters stand for. Incidently I Also had some direct experience with the evil of having your insurance rates raised because of bad credit. Erie "forgave" a tiny fender bender I had in february but raise my rates over $100 due to my bankruptcy.
