[hs]

car insurance doesn't automagically make you accident-proof.

driving defensively is a better approach -- you probably will never need insurance. that's why insurance companies give discounts to those who took defensive-driving course.

[j_baker]

Here's an idea: take defensive driving and get insurance. Or to make this applicable to the subject at hand, write unit tests and write maintainable code. It's surprising how much doing both increases the effectiveness of either.