Oh, I indeed have a story about insurance (or rather about not having insurance):

I used to work as a mailman. I also delivered letters next to parcels so I was driving a VW T5 exactly like this every day:

One day, I wrecked that car because I forgot to pull the handbrake out of frustration. I forgot a letter for a house I just came back from. The car immediately started rolling down the hill as I stepped out. When the door unexpectedly pushed me, I instinctively grabbed it with one hand before I fell down. I had no chance to get back into the car since the hill was quite steep so the car immediately started to drag me along in a more or less sitting position. I tried to push the brake with my free hand but there was no way. It was a brake too far. That was quite some action but all I cared about in the few moments before it hit a street light was to not have to pay for the damages, lol. We were told many times that we're insured, the cars are insured, everything's insured and we should not worry as long as we pulled. the. handbrake.¹

After I assessed the situation (rear glass shattered, huge dent in the back which made opening the trunk impossible, glass splinters all over my remaining parcels), I called the delivery base to confess what happened. After it was clear I was not hurt except a few bruises and I could still deliver the stuff I had, I still finished my day as if nothing happened (except the dread of the consequences). I just had a few streets left.

The next day I came in I obviously had to come into the office where we talked about what happened and filled out a form with my signature at the end. I just wanted to get it over with and told the truth:

I was quite new in the district so that was also written down as if it would make a difference. It was pretty clear to everyone in that room that saying "I forgot" damned me.

The colleague whose car I crashed (cars are assigned to districts and I got assigned his district during his day off) later told me I shouldn't have admitted that, I should have said that the handbrake must have released itself and he would have backed me but I still think it was the right choice to simply admit the mistake and own it.

However, it turned out that I wouldn't have to pay for everything because iirc the amount an employee has to pay is limited. In my case, the amount I had to pay for this was 5k€ which I was able to pay in monthly rates over a couple of years.

The hard part was that just a few days later, a guy from the union stopped by and heard about my accident. He asked me if I had their insurance and I said no, what insurance are you talking about? Well, it was insurance for cases like this or when you lose a key etc. and it would have only cost me 2€ per month but obviously it was too late now.

He was frustrated since I should have been told about this union insurance when I got hired and I was frustrated since it would have saved me so much money.

After that accident, I definitely got that insurance, lol. There was even an interesting newsletter included in the price.