I always hate the crazy weird stuff that goes wrong that you have to pay for. Like your wheels fall off the car entirely. Never had it happen to me personally but a friend of mine was down on his luck and he had to replace all 4 tires on his car. He took it to a wonderful retail store to get new ones and paid $500 for all their crazy add-ons. He signed the paperwork and payed all the money he had left in his account. Got on the highway and the tires came off. Most people are probably thinking, PAYDAY, but the paperwork they make you sign when you leave has small print that says that you release them from all liability of lug nut "failure." His insurance company finally paid out on the thing but it is the point that bad things happen when your already at your worst.