And here is what i replied since I am ALWAYS non PC.
I'm an illegal alien border crosser and I don't buy car insurance OR register my car.
As a matter of fact I don't even have a driver's license.
When I get into a car wreck I just leap out my smoking heap and take flight. The last person that owned it will get the call from the DMV for not having insurance.
"I don't have to show you no stinking insurance"