I had forgotten about the routine of fighting traffic tickets multiple times a year as a fact of life. Let alone fender benders. I had only been reveling in the lack of a frustrating commute.
Last decade I did get a car for 3 months, and the insurance company was so thrilled that I was "such a good driver" because of my "spotless record" for many years. Little do they know I just don't drive and perhaps have now less experience than others. Although tangentially, their risk matrix actually might be correct, if I can afford to live in dense desirable areas then maybe it is less likely that I would be going fast and getting into circumstances that pull from their insurance pool at larger amounts.
They probably thought "one of the largest companies in the world probably chauffeurs him down the highway in a bus anyway"
The volume of tickets issued is quite staggering, and each one is a huge annoyance for someone.