John wrote:  I would  suggest that from Larry's comments that it opens
the doors to have problems with your insurance company .....

This can also be looked at this way.  The insurance company insures a
driver expecting prudent behavior on the drivers part.  They might try
to deny or lower a claim if it is clear that the driver didn't live up
to reasonable standards, that is, acted in a reckless or irresponsible
manner.  And that keeps the premiums down for those that do act in a
responsible manner.
BTW, I'm not in the insurance business, usually disclaimers....