My husband had gone many many years no tickets no accidents his license was in great shape. One day my husband and my son decided to go to Harbor Freight. As they were leaving he went to turn left and a car going very fast pulled in front of him and my husband hit the car. They determined my husband was at fault but no tickets were issued. Now our insurance has gone up 12 percent. Time to look into don allred insurance quotes hopefully we can find something more reasonable.