Today is the day in my life when I find out that for having a single accident in my entire driving career of no accidents or tickets of any kind, my insurance premium gets hiked up over 200% for the next four years.

Amount of notice given: one month

Long term solutions: give up medical treatment and stay crazy and by extension unable to work properly? Stop eating food? Drop health insurance (illegal to do here)?

Short term solutions: walk into my insurance agent's office and have an embarrassing emotional breakdown (check)
Have a drink (check)