"Kyle Boatright" wrote in
:

Why? If the guy has insurance, he's covered. Same as if you wreck
your (insured) car while driving drunk, without a license, doing the
nasty with under-age prostitutes, taking pot shots out the window with
your illegal machine gun, and transporting a trunk full of mary-jane..

I can relate to all of your other examples. But I have a problem with one.
While I'm doing the nasty with under-age prostitutes, the car is in park. I
just don't see how one could total the car in such a scenario. Ruin the
apholstery, maybe. But not total it...