Hi gang - I don't watch JJ regularly anymore but I want to tell you guys about what happened to my granddaughter that belies one of JJ's favorite pronouncements "no one has full coverage insurance on a car over a certain age". Well my granddaughter had a 2009 Saturn Vue, which had full coverage insurance. A couple of weeks ago she slid on ice and crashed into a pole in a parking lot. While she is looking at the damage, a bus comes along, slides on the ice and clips her car and pushes it further into the pole. The insurance adjuster declared the car totaled. With the money she collected from her insurance, she was able to get Chevy Trax on a 2 years lease, which she prepaid. Now she has a new car, no car payment, and time to decide her next move regarding another car. Glad she kept her car fully insured.