Jimmy wrote --

 JA> Exactly! And she has a T-Shirt that says something to the effect of
 JA> "Drive safely or I get to see you naked." Another says
something like
 JA> EMS gets to cut your clothes off.

  I recall the line Bill Cosby had where his mother was always reminding
him to wear clean underwear in case he was in an accident and his thinking
if he were in an accident clean underwear would be the last thing he was
worrying about.  :)
  Joe