I'm an honest guy when it comes to my skills—or lack thereof—at driving a car. This is a statement that not many men are willing to make: “I'm not the greatest driver in the world.”

You'll notice I didn't say I was a lousy driver—that would be my wife who would say that—just not the world's greatest. Even to admit such a thing is a violation of my man card, I know, but as all of us come closer to some type of usage-based insurance or telematics, it is an issue we are all going to face.

I've been involved in my share of collisions over the years and I have to admit I believe I have nine lives when it comes to dealing with other motorists who are impaired. Over the course of my driving career, my car has been struck by not one, not two, but three drunk drivers, so I do know a thing or two about recognizing lousy drivers. I won't bore you with the details of the ones that were actually my fault.

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