Only real friends tell real friends the truth. I am sure your parents and others already told you these:
You don't have bad luck with cars, it is bad judgement, lack of experience and bad driving skill. I know you most likely will not accept it and blame on others or bad luck. Most of us have been through the same stuffs.
Insurance companies know what they are doing, why do you think you(your parents) pay such a high premium for your driving? because they knew you will mess up the Hummer and few more automobiles after the Hummer. They have your accidents, record, profile and know where you fit in, you are high risk young adult. Not to mention you carry guns on you. As long as you stay alive, don't drink and drive, don't kill anyone, everything will work itself out after many years.
BTW, I really don't think you should be carrying concealed gun(s) with you, you drink and you are young. It is strictly for your own benefit.
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