I can't easily prevent drunk and/or stupid people from running into me or stealing my car.
I /could/ own cars that are valuable enough to not easily total, but if they are going to keep getting run into or stolen, I don't really see the point. my car money goes into my show cars, race cars, toys, and tow rigs, not my daily drivers.
As a pretty decent mechanic and sheet metal worker, I can fix most cars well enough to keep being my daily driver, and if I can't fix them, they become really cheap donors for whatever projects I'm working on.
stolen and recovered, running, driving CRX with a low-mileage engine swap for $88 and a $3500 check? sold.
rear ended, running, driving prelude with several mods for flat towing other cars for $250 and a $3000 check? sold.
front ended low mileage first gen crv AWD M/T for $500 and a $5600 check? sold.
my suburban collected two different $4000 checks and was bought back for less than $300 both times.
my Nissan pickup collected three checks ($3500, $2500, and $2000) and was bought back for less than $300 each time (front sheet metal and beds are expensive when the other guy's insurance buys them)
Perhaps you might want to consider sticking to subjects that you know something about....
...
.not that I can think of any.