I shared this one earlier in another thread:
I was out practicing my Demo riding, and doing exactly 80 in an 80 zone (semi residential area).
Coming around a big curve, with four other vehicles and then a supersport.
The road widens to two lanes each way and a centre turn lane, just after the curve.
Motorcycle decides he's not going to wait, pulls out to pass around the curve.
No traffic so he's good that way, and going HTA172 speeds at this point.
One thing he forgot about was that centre turn lane, and if the truck right behind me, hadn't seen him at the last minute, there would have been a T-boning.
Anyways, he flies by, I steer over into the right lane, and pull up beside him at the red light, with the train of cars all pulling into the right turn lane.
He didn't save any time at all, and almost exchanged delta-v with a pickup.
Is it the adrenaline rush? Impatience?
How much should these people pay for insurance, compared to those who take less risk?
Which are the worst risks?
I suppose this will be moot, once the insurance companies successfully lobby to have full tracking data in vehicles, and use of that data to calculate rates.