Accident Again! Arghhhhh!

On 1 August 2008, I had my 3rd accident in a car since I got my driving license in 2002. It's pretty frustrating to say the least; knowing for a fact that my 30% NCD is going to be wiped off in that 2-second madness. A simple front-to-back collision at 40 kmph is all it takes. It also doesn't help to know that I always try to practice defensive driving. I guess that 1% moment makes a whole world of difference. Now I am left to ponder how much my insurance for 2009 will be....