Impact of unsafe personal behavior

Write an essay about the impact of unsafe personal behavior (e.g., reckless driving, smoking tobacco…) on the insurance premiums we pay. Specifically, focus on the impact of unnecessary claims on others who buy insurance too and therefore share in the cost of our claims. Grades will be based on content as well as on creativity. Credit will not be given for poorly written papers. The professor will gladly provide feedback during the writing process. Students will need to upload the final version of their essays to Canvas, which checks for plagiarism. Be sure to include citations and a references section. A four-trait rubric will be used to grade student papers:
 Trait One: Content. The content is rich and demonstrates the student
researched the topic very well [6 points]
 Trait Two: Followed Instructions. The student followed the instructions (e.g. Twelve-point font, double-spaced, 1,250 words plus exhibits, references page) [2 points]
 Trait Three: Tone. The tone throughout the paper is appropriate for an academic paper. [1 point]
 Trait Three: Writing. The writing is appropriate and free of errors. [6 points]