My car just got totaled!

[The little red pill]

"Modded" hatches are typically owned by a demographic that insurance companies rate as "high risk" (i.e. teenage and 20 something males). Statistically, younger males tend to take more risks, have less experience, and have more distractions (i.e. texting while driving, or playing with their new ipod while driving).
With that being said, it would seem logical that "modded" hatches would be involved in more accidents since "Junior" just put on a cold air intake and wants to race anything that moves. Thus in his hormone engulfed state to prove his masculanity, he doesn't see the old lady merging legally into traffic and then collides with her.
As this senario plays out more, and more "modded" hatches are in accidents, insurance companies will take notice and raise rates. Just food for thought. Hummmmm . . . . . now I'm off to find something for lunch.