What an annoying thhing to start the New Year

[Jinx999]

Also insurance, at least in the UK doesn't cover just the damage to your car. It covers damage to the car you hit. Your car may be a piece of junk, but if you hit a rolls and put the passenger in a wheelchair and it's your fault, it's your insurance that has to cover the cost of that. If it's not your fault, your insurer only has to cover your costs until they can get the other guy's insurer to cough up. The most basic type of insurance is third party, which means it only covers the damage you do to others. If you wreck your own car, you get zip.