[Casper]

I'm going to close this thread now. Some of the logic is giving me a mental brain lock.

For those not insured out there... good luck. As for me, I'm covered. So if I punt a Rolls Royce into an electricity sub station... I'm covered. If you are confident you can cover the worst possible situation without insurance then I guess its all cool then.

As for owing $40K on a smashed up car rather than $300K on a house... try selling the smashed up car for a profit, not going to happen.