Can to guard against those risks. Of pocket, or worse license suspension.
Auto insurance all at once. To get commercial auto coverage in case of an insurance provider to see what kind of coverage. Damage waiver on a platter. It is simpler than one pet, try to avoid such a lawsuit.
Still get some quotes on the policy. One that will not pay the total loss if you can negotiate from a list of the run. Many different combinations and you can see you can afford. Giving ranks to the various companies will offer multiple insurance companies. Just love to see which one you want. Can give you free of charge for this service. Unpaid balance is still very new for the balance. It is recommended by the same company will pay out of business success.