Title.
Whether it be robbery, assault, property damage, etc.
For me I can hardly remember a time that anyone has done anything substantial to me. My car recently got scratched on the side and the culprit left a note with his number saying sorry, so that I could turn it in to my insurance company if I so chose. Very little has ever happened to my family either.
This is coming from a 24 year old from the state of Iowa.