Yes, that is what insurance is for. But with your scenario, I bet you wouldn't get the full 35K from the insurance company. You are also talking about buying, not leasing. Just going on what I have heard from a few people who always lease their vehicles and never put anything down. I also have a problem with these lease rates that I have heard on the H3. A friend of mine has a loaded 05 H2 that he leased with zero down and it is right at $600 a month. I know there were incentives at that time but give me a break, it was twice as much as the base H3.
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I don't care about the "Jeep thing"  as long as my mail is on time!!!
Slate Blue H3 Adventure w/sunroof, Monsoon/NAV, DVD and marker lights
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