That's the way your insurance company sees it, and they are right. And as far as the road rage thing goes, I know how to handle that..

Niether is the spelling.

It doesn't matter whether you were malicious or merely erred, you were still at fault and should be held accountable for your actions.

It certainly does matter. Accidents are usually minor misdemeanors and don't carry any jail time. If it was malicious, then it can be a felony carrying several years in prison.

what about those of us who bought the iPhone at full cost ($599) the first week it was released. Why the fuck do we have to pay the same monthly fee as if we were paying for the more recent subsidized phones? Why do I have to pay for unlimited Data when I'v never used more than 500 MB in a month? (Why does EDGE suck so bad? Why does it never work when I need directions or a phone number?) Why the fuck do I have to pay for minutes I never use? Why can't I apply my rollover minutes as credits toward my phone bill? Why do I love my phone, buy hate everything about my service? Why am I stupid enough to pay $900 a year for service that is so flaky?

Unless AT&T can address my concerns, I don't really care how much the subsidized phone costs. Unless the TCO can come down to a reasonable price and the data features actually work when I need them, I will not be renewing my contract -- not even for a new subsidized phone.

I'd rather pay for the hardware and decent service than to keep throwing away money at service that doesn't meet my needs.

Why am I stupid ...

Basically, a century-old rip off of Apple's HIG.

And by the way, its spelled 'constitutional'. But you made my day by arguing a constitutional basis for unconstitutional censorship while misspelling the name of the document you are misrepresenting. Call me a moran, and you will complete the trifecta.