doesn't work this way in germany, it is mandatory to have insurance. Got a replacement Polo but have to stay in hospital until tomorrow. Police said it was the bus drivers fault (will go to court nonetheless), so he/his company has to pay for my hospital bills + damages + a car of equal value of the beetle (was 21k, 11 months old, prolly getting around 10-15k). I was really fucking lucky, only got centrifugal trauma, partial amnesia and a big scar from the seatbelt around my neck.