This business of no insurance reminds me of this story.
A family is in their home as a flood is happening.
The Army National Guard comes by in a 21/2 ton truck to evacuate them. They refuse - "The Lord will save us"
That night, the Coast Guard comes by in a boat - They refuse "The Lord will save us"
The next day, the Air National Guard comes with a helicopter - they refuse "The Lord will save us".
Well the flood takes the lives of all 5 in the house. When they arrive in Heaven, the youngest, a little boy asks St Peter "Why didn't Jesus save us". St Peter answered, we tried, we sent a truck, a boat and a helicopter!