If you get on well with the local Hobby retailer, and they know how you build, and how much you fork into models they might be lenient.
With a 500 dollar car I'd only go third party property fire and theft - instead of full comprehensive.
Between the age 16 and 18 there's no difference man.
Adults still treat you like kids.
The only people who will treat you fair are the Army. (seriously)
You're old enough to be sent to boot camp/kapooka/wherever.
Then when you're 17 you're old enough to be sent over seas but still not old enough to drink.
That's the way the world works.
It sucks mate, but hold out, in the next 2 years you can not only start an apprenticeship, but you can either complete school - or drop out and become part of the workforce. (I chose the latter because I don't wanna be a Nuclear Physicist, or a Botantist, or a Teacher like my Parents and Grandparents.. Go figure.)
But I'm going to uni, might study a heap of random I'll never use to show on my Resume.
You don't have to Vote yet.
As soon as I turned 18 I was splashed with bills, voting info, credit cards.
Everything you get hit with when you turn 18.
So enjoy the next two years as much as possible hey?
Life is never completely fair, and you can sit back and laugh at the idiots that treat you like a 12 year-old - because they haven't had to put up with what you had to.
Probably all delinquents, scholars, or egotists.
Your friends know who you are - and that was always good enough for me.
The solvent I used to thin the paint so I could spray it with the airbrush reacted with the Tape adhesive, causing the two to almost combine, then something else happened and it all started bubbling/peeling.
All good - gonna grab myself some brake fluid sometime next week while I'm not searching for a Job.. lol