A bit off topic here, but insurance companies don't trust math. My wife was in a wreck (not her fault) and after I switched her on to my policy after we got married, that caught up with us and increased our rates for a little while. They figure that if you've been in a wreck recently that you are more of a risk to have covered. Most of the times I've been in wrecks, I wasn't allowed to drive again for 90+ days! I got my wrecks over with while I was still a minor, and they took my license for 90 days the first time, then a year the next. Later on in my life, I had one while beyond drunk (not going into details) and drove a couple days after that back to work. I think I took the weekend to decompress, IIRC. I can imagine that having gone through this, you will probably be a bit more "paranoid" and watch out for others more while you're on the bike, which is not a bad thing!