Answer the following 3 simple questions:

1)  How long have you been driving a car?

2)  How many times have you had an accident (fault or no fault) since you got your driver’s license?

3)  How much car insurance premium do you pay on average annually?

Keep your answers to yourself then read with open mind my blog, My Crusade, at

Understand that this has nothing to do with the Social Security System. It has everything to do with you – your driving record, claims history, ability to stay safe and accident free which means that you have preserved most of your insurance premiums and that’s what’s coming back to you when you no longer drive a car and therefore cancel your membership.

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Urell Odama (email: