r u insured?!?!

ok ok ok... there's this one guy that drives a motorcycle going home late at night... always... but anyways, whenever he goes home, he drives around a cemetary... and everytime he drives by there, he always sees this lady in white... complete white actually... and she always asks people to ride... whenever she shows up, he does, so she asks him for a ride.... she said "can i get a ride from you....? just a ride down the road??" the man said "hop on lady..." so they went on... and at the end of the road the lady would disappear... the guy didn't really notice because he's tired.... but freaky! everytime he'd see her the next time she would have scratches and even wounds that's bleeding...! day after day... until he got a little curious... and he boldly asks her, "lady, why do you always have more and more wounds and you always are bleeding whenever i see you..." the lady's face suddenly turned weird... her eyes were red and she said "you really really wanna know y?!" then he said sarcasticly "yeah isn't that y i asked?!" her face just went into a complete frown and said "well if it wasn't for ur driving i wouldn't be like this! you drive too fast! im getting out of here!"