I rolled my nearly brand new 2011 MINI Cooper S Convertible down the side of the mountain at the tail of the dragon with no insurance. Yes I was in it, no I didn’t sustain any injuries. Miraculously I walked away. With the help of my local dealer we got it back to driving condition and I paid it off just around 2 years ago. It was an agonizing 6 months of paying $530 a month for a vehicle I couldn’t use until we got it roadworthy. I haven’t missed an insurance payment since.