Insurance is totaling my truck.

[RandyP]

Like has been said, you're stupid, absolutely stupid if you get the bare minimum liability coverage. Back in the 70's when my dad was working claims, he worked one where a kid was driving his hotrod nova with the basic 10/20/10 (is higher these days, but then it was 10/20/10) coverage on the beater.
The kid lost control on a windy road and ran in to a funeral procession. Took out the family car in front (stretched cadi limo), the hearse (another cadi) and then a new town car. People were hurt in all 3 of the cars, and all 3 cars were totals. The kids parents were hung out to dry, literally. You lose everything in a situation like that, and it sucks living in a cardboard box.
Always imagine you're the one who is going to plow in to the ferrari, or worse.