I think there's another dimension to this, which is the toxic home life which led to these behaviors. Good luck unpacking this all and getting healthier.
As far as I understand, many not-at-fault accidents DO make one's rates go up. The rationale being "the places she drives are extra dangerous and puts our client at risk, despite driving properly."
As I mentioned in another comment, Waze does this. There's a stretch of the Capital Beltway that, if it was on a race track and compressed, would be called "esses." It's totally fine to navigate at 80 MPH with no drama in any mechanically sound, post-1980 car, but it catches mediocre drivers by surprise. Waze throws up a "history of accidents" message whenever I drive through it.
This is a weird example because there are crappy go-karts and there are carefully designed and assembled go-karts. You can have a high quality anything: car, truck, go-kart, trailer, wagon.
Even then... you reach a point where any additional quality or craftsmanship offers no more value. Aesthetics can have some arbitrary value, but even then it's a matter of taste.
I cannot add git Bash as an option for a terminal in VSCode. I had it installed via PortableGit and the chat told me it doesn't work unless it's in a standard location. I installed in a standard location and still no dice.
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