There is a reason your insurance covers 25 million dollars building/property/liability.

Just keep that in mind.

A power pole is about 15k

Also worth keeping in mind.

Rear end a bmw x5 over 40kmph is about 7k

Might want to keep that in mind.

The brick wall at the front of my parents house was about 10k

Keep that in mind aswell

On top of all that you will have to fix your car and or anything else thats damaged in the course of any of the above.

At the end of the day ACCIDENTS HAPPEN and that is why they are called ACCIDENTS because you do not have any control over them.

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I used to tune cars with screwdrivers.
Clutch, Brake, Accelerate.