My justification for it is that nearly any damage these days and they get written off. Im not really up for spending hours and hours working on my pride on joy getting it in a pristine condition to have some tard drive into the back of me again and then start the process over again!
Ofcourse I'll own something I'm very proud of again but you can bet your life that it'll be something that'll have half a chance of being repaired by the insurers!