Thursday's rant continued

This is the mother of all rants. I called to make some changes to my auto insurance this afternoon and it appears that if I was to stop traveling to and from work, the cost of my insurance will increase by $3.00 a month because I will no longer be eligible for a discount. In other words if I use my car less; bus , walk or bike to work and thus do my part in decreasing pollution - my car insurance will go up. Crazy, isn't it? The auto insurance industry is actually encouraging people to burn more gasoline by giving them discounts. I had no idea about this until I called today and asked. The agent I spoke with was very eloquent and clearly explained to me many other aspects of automobile insurance that had me dumbfounded till this afternoon. Get this, if you are driving along and swerve to avoid collision with another vehicle or an animal and you end up going into the ditch or rolling your car, you are totally at fault and responsible for the accident and deal with the consequences of your defensive driving, which may have led you to a single vehicle accident. If you die, well then you won't be liable but then who knows if your benefactors will get anything from the company. If you don't avoid the collision and hit the idiot in front of you or the animal that gets in your way, then it's the idiot's or the animal's fault but then you may not live to reap the benefits of that because colliding with a deer or another car can be quite deadly. I don't see the logic in any of this so if you happen upon this rant and can explain this to me further - I'll owe you.