Been lucky so far, a couple tickets, no real accidents. S21's car threw a wheel, but didn't do damage to anything other than his car. And by then it was his car, his payment, his insurance, and he took care of it all. Well, after I met him on the side of the road and waited for the wrecker, and then drove him home. He did say it was a bit scary to lose a front wheel at 50 MPH!