i hear ya yellowbastard, MD has the same deal, accidents and tickets come off after 3 years.

thats a great drop too, i hope i get the same fortune when i'm not as high of a "risk" when im 25. 23 this year, so only a 2 more to go. but hopefully after April, i will be able to get off MAIF and save like $100/mo

congrats to you