i hope that you use that phrase as a joke and its not a true reflection on how you feel
I know, insurance companies are just a back up. Getting comprehensive insurance means more money, to deal with more problems more easily. More money = more problems. You need a back up in these type of situations, wherever money is concerned. That is what insurance is for. I will be buying my new car with warranty and servicing included, I will kill anyone who messes with my car