Yea, I agree....I have been in some 47 auto accidents in my life, two of them I was driving. The worse one driving down a residential at about 50 or so and a VW bug pulls out and we tbone it. The little girl in the backseat broke her back. WTF, I was young but being that stupid is dangerous to other and yourself. If you don't really care about yourself much then.....
If you think intentionally causing a wreck is "ok" you should be in Iraq looking for roadside bombs, where you can do some good with that type of mentality.
Insurance hits us all, every wreck that is reported goes on the statistics as an accident stupid.
If somebody ever pulls that stupid stunt on me I'll make sure they feel and look like they had an accident.