I knew a kid with ADHD in high school. There were days (game days) when he would intentionally not take his medicine, yet he would still drive. He had numerous accidents. One time he stopped behind someone at a stop sign. Then he rear-ended them because he forgot they were in front of him and he got caught up in looking for a gap to pull out. He totaled 3 cars before the end of high school.
So I am basically subsidizing alcoholics and stuff because they can’t price that into the premium in California.