I'm same as you. I've had to get a permit every year because somethin happens. Last year it was because I broke my arm in 3 places. Prior to that I tore my MCL in my left knee, broke rib and dislocated collar bone. Prior to that was back surgery, fractured vertebrae and more broken ribs. Only one injury was from a motorcycle wreck. Going the 9th for the MSF course so i can get the insurance reduction.