Spot on there Hotwire....if you end up crippling someone for life mate you....then you truely will be in the worse situation....dont risk it as many people have mentioned before, not worth it.....
I had a mate who thought the same thoughts that your having atm....drive disqualified in a Barina and he will get away with it.....well all it takes is a lapse in judgement and it has now cost him a shitloads then he though....he was involved in a smash and pretty much wrote off someones newish commy....so he had to pay up for a brand new car....$30k is still 30k at the end of the day.....