This is a true story, my brother in law had been test driving Mustang GTs at every lot in the area. Tests drives a used one here in town on the way to the lot Nails it loses control runs through the furniture store's landscaping and knocks 2 parked cars into a drainage canal 15 feet deep all 3 totaled. Landscaping damage over 5000. I guess he thought skill came with the car. His Insure paid it all.....