worst idea ever?

i was watching the price is right today, so naturally all the commercials catered to the old and feeble. but there was one that struck me as somewhat inappropriate.

an aarp ad talked about giving seniors car insurance, and it advertised that under one plan you might qualify for no penalty for your first accident. i'm sorry, but this is a terrible idea. it's bad enough there are already so many small old people with poor eyesight and reflexes who inch out then stop, then out, then stop, then out, then stop, then finally decide to go when someone's too close and then an accident happens. let's not let them think "hey its ok, i my rates wont increase after the first one!" it's bad enough you let them think they should still be driving.

really, old people should have to retake a driving test every couple years. and yes, i'd even apply that to myself and my generation when i get older. when i'm that age i plan on having a chauffeur anyway.