Matt's First Law

Your car will be only be involved in an accident totaling it when all the following conditions are met:
1. You have a full tank a gas
2. You have recently had an oil change
3. You have 4 new tires

Some middle-age woman plowed into your car and totaled it. Matt's First Law applies.

Matt first

Meaning Matt goes first

Person 1: You know the saying Matt first? It's like saying ladies first.