With 3 kids worth of crash history and a wife who drives
like she's in an eternal Baja race,
(with an assortment of all weather carrier landings thrown in for good measure,)
I have a hefty tome over at CLUE.
CLUE even went so far as to record a $0 claim
that I fixed with a screw driver handle as a dolly.

Funny, none of the claims are mine,
but yet I pay the higher premiums associated with the loss runs,
even though the kids are no longer on the policy.