[oblio]

What happens if your car gets totaled?

[ojhughes]

I imagine car insurance would provide a replacement vehicle if that happens

[loudandskittish]

...as long as you don't tell them you were delivering food at the time...

[ojhughes]

It would be a huge risk not adding business use to your policy and paying the extra premium, especially in the US were people are so litigious

[samatman]

Kelly Blue Book for a 2005 Honda Civic in good condition is $2-3000.

So two to six month's savings. Painful but not career-ending.