Man, that sucks. My tribute was baaad luck. I got 2 speeding tickets, a moving violation, and then finally it got totaled when somebody hit me. I have never had a ticket or accident otherwise...untill I bought the P5. Still no tickets, but the first 3 months I had my P5, which I bought with my Tribute insurance money, some guy merged into me and beat up my rear quarter panel. Turns out the guys who did all my body work and paint mixed the paint wrong so all the paint work they did (which I had additional front end paint done) was done wrong and the paint doesn't stick to the primer. The paint is fragile and tears, and breaks like icicles instead of chipping or scratching. The whole time my car was being repaired, I couldn't have a rental car because I didn't have full coverage. The only reason I can't have full coverage is thanks to my tribute jacking up my insurance cost XO