Well don't forget to mention that I cut 10 yards/day and have 50+ grass accounts and gross 1000 dollars every 3-4 days by myself. Don't forget this is sustained day after day, week after week, and month after month. And don't forget my 2 bmw's are paid for and my house is paid off so there is no mortgage payments... Yeah lets not forget all my equipment is paid for (including the truck), and I have no outstanding balances. Don't forget that because maybe I can afford to pay for damages or to hire the lawyer. Now one more time: Insurance is not required by law. If you carry it, maybe it's because you need it. Bye.