Being new here I was pretty "easy going" in my first response... Didn't want to turn anyone off.

You say... They're not in my shoes... well... you're not in ours...

I have had to pay out of POCKET, ~$1,000 for a claim because of an uninsured motorist. I could have gone after them civilly but it's really not worth it.. It would have cost me over $1,000 in my time alone.

If you can't afford insurance how do you have a VX. And since you can't afford insurance (even liability) then you should take the bus.

Do us all a favor, sell the VX, buy a metro, and then you should have the money to keep it insured for a while.