Which is why, of course, my "offer" has just been increased by about 20 percent- from $235 last year (for a full year) to $295 dollar for the new year.

But why?

I have not filed a claim. I have not had a claim filed against me. I have not been issued a traffic "ticket," as that iteration of extortion is styled. I have a driving record sans any accidents or moving violations. My DMV "driving record" – as if the thing had anything to do with my driving – shows five"plus" points, which is the maximum number of "plus" points one can accrue. Each "plus point" reflecting a year without moving violations.

"Maximum" is emphasized to highlight the curious fact that you can drive without incident for decades and never accrue more than five "plus" points. So as to assure you'll never have more than a few "plus" points to defray the demerit points you'll inevitably get when you are "ticketed" for some trumped-up offense such as "speeding," which typically gets you three or four demerit points. Thus assuring the mafia has an excuse to frame you as a "risky"  driver – even if you have not filed a claim or had one filed against you in decades, like me.

They haven't even got that on me, though.

I'm also a middle aged guy with good credit and no teenagers in the house. I am – in other words – the kind of guy who ought to be seeing what  I am forced to pay go down. Or at least not go up – as I have given no legitimate reason for it to go up.

Of course, that would assume we're talking about a legitimate business rather than a mafia. One whose offer I could refuse.

But since we can't, they can make such "offers" – and that's why insurance is a mafia. It is also why everyone's "offer" has gone up by, on average, 25 percent.