If you ever wonder why we have high car insurance rates in California I offer Exhibit A, a 2006 Hummer H3 stolen out of Modesto.
The driver for some reason felt it was ok to leave the car unattended with the keys in it. The thief took the Hummer on a joy ride around south Tracy until he found some tall, slick grass on a dirt road near the dead end of south Lammers Road.
I'm not sure who is the dumber in this case; the guy who left the keys to his his nice shiny Hummer in the car or the car thief who stole it then crashed it. Some people should just ride the bus.