You pay your auto insurance on time, every month.  Like clockwork.  Even ahead of time sometimes.
Then one night you hydroplane into a crowded bus stop, and just like that: Your insurance company doubles your rates and starts billing you twice a month, demanding "Pay immediately!" each time.
Okay, so maybe you were driving a little too fast for weather conditions at the time
...and, perhaps, you shouldn't have been texting at the time either...