So, when I returned the smashed up Mustang to the Dollar Rent-a-Car people, they asked me, when picking up the replacement if I wanted the insurance. You know, the same $15/day insurance that allows you to wrap their cars around a phone pole with nary a worry in the world. The same insurance I declined the first time.
Of course, I said no. "I haven't been in an accident in 15 years...what are the odds that it'll happen twice in three days?"
It happened twice in three days. Literally, on my way to return the second car.