Not sure if you are being completely serious right now… but you are the reason insurance is so high. F’ing idiots like you ruin it for people who are just out to have a good time. And if you really are serious, I hope that this thread “somehow” makes it to your buddy’s insurance company and they tell him to go fuck himself.
If you were just fucking around (and god I hope you were) then disregard. If not, please go hang yourself… the world is better without scumbags like you.