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I would insure it. Crazy things can happen. My former neighbor is the dui king. He lost his lisc for many years. He parked his car where it sat for many months. One day it rolled down his drive across my front yard and hit another house doing $20K damage to the house and totaled the car. It also took out my mail box. He too had no insurance. he now has a large judgement on him and makes monthly payments of $300 to the neighbor.