By Jeff Deminski

Look at this 20 year old moron behind the wheel of a BMW. It happened near Mesa, Arizona. He's with a group of friends, and the whole thing is caught on video. Recklessly speeding, purposely racing in and out of the oncoming lane to use every inch of pavement like a wannabe NASCAR driver, until the unthinkable happens.The crazy part is he lived. He walked away from this horrific wreck with only a scratch.

Perhaps the crazier part is his insurance covered everything. Even with this video tape, the Arizona Insurance Council says the insurance company would cover the loss. Only if it showed a purposeful, criminal act being committed at the time of the crash would they not have covered the loss of his BMW. Because motor vehicle violations don't count as criminal acts, this moron got his money.