"As for the accidents caused by older people, why do insurance companies charge higher premiums for younger drivers?"

Spot on, Giok. You're absolutely correct. I find it astonishing that kids with little real experience seem to think they're better than us old 'uns who've been driving for years. 43 years in my case, and not one accident.

Clearly, higher premiums are charged for younger drivers because, having their heads so far up their own arses, they have difficulty seeing the truth, let alone the road.