Quote Originally Posted by turbodish View Post
I drive pretty carefully but would never presume that "it couldn't happen to me". Also, I didn't want to get into a head-on crash two days ago with a sports car that I insure even though I drive it only occasionally and was about to put away for the winter in another week anyways, but I did. I'm glad I had insurance on it, even if it was just the mandatory coverages and not collision. Now I don't have to worry about getting it ready for winter storage, and I have all winter to find a suitable replacement for it, and the insurance company will pay for it even without collision coverage seeing as I was on the right side of the yellow line and deemed not at fault.
no need to explain your story

just ride with insurance if you can afford it, otherwise ride without it or dont ride at all

quite simple

nobody cannot predict accidents.