I was in a car accident a few months ago that involved a dent in the side of my door. I was shocked to find out the repairs would be over $10,000. I’m not a mechanic but I would have sworn I could fix the dent with some duct tape and a hammer.

Lucky for me the other driver was insured and had their car insurance agency cough up $10,000 for damages. After getting the repair bill and my car back from the shop I started to wonder how car insurance agencies even made money when accidents are so expensive?

After some prodding around I found the answer; car insurance agencies can predict the future!

They know when, where, and who will be in an accident and how much it will cost. The craziest part about their predictions is they don’t even use black magic or crystal balls. For car insurance agencies it comes down to stats. They look at patterns in history and use those patterns or trends to predict the future of your 17-year-old driver in their 1994 Mazda Protege.

Here are three simple statistics that auto insurance agencies may use to predict your future or the future of your teen drivers:

1. Teen drivers are 10 times more likely to be involved in a crash during their first year of driving.

That means for every one adult driving accident there are likely ten teen driving related accidents. Car insurance agencies cover their potential losses by predicting these sort of future events. Thus a parent can expect to pay a higher premium for their teen driver, especially their first year of coverage.

2. Drivers who use hand-held devices are 4 times more likely to get into crashes serious enough to injure themselves.

statistic via Monash University

I know the wording of statistics can sometimes be misleading but let me put this into context. When you decide to text or call, while driving, you are 400% more likely to wreck than those who don’t use devices in their cars. In this instance, it doesn’t matter if you’re young or old, experienced or inexperienced, caucasian or minority. Using a device while driving makes you a hazard on the road. Auto insurance agencies know this and can predict future events based on your driving habits.

3. Across all age groups, when driving, males have substantially higher death rates than females.

Somehow while writing this article I realized I had inadvertently debunked all jokes revolving around women and their driving skills. Men are statistically proven to drive more recklessly and dangerously than women. If you’re a guy wondering why you’re paying more than your friend, sister or wife it’s because auto insurance agencies have seen your future and most likely it involves an accident.

There you have it, three ways auto insurance agencies can predict your future and the future of your kids while driving. Next time you’re on the road, realize that you’re future is in your own hands unless you’re a teen male talking on your phone. In that case, well, cheap car insurance agencies can’t wait to hear from you.