Man ***** Extreme
19, two tickets (didn't say what for), and a one(1) vehicle accident. Depending on what the tickets were for, I could believe it. The insurance people are looking at you making a down payment on your medical bills. As they see it, you are the preverbial "Accident, waiting to happen!" You need to go six years without an accident or a ticket and then try again. Sad to say, but, I can see why your Busa days are over.