Broad form gives you liability only. If you drive your rig off the cliff, they don’t pay you a dime for repairs.
But I can drive any one of my 3 rigs and my entire insurance bill is < 650 bucks a year.
If someone hits me, their liability will cover my rig.
Being judgment-proof seems like a better option.
The opposition lawyers look at your net worth and don't even bother filing a claim.
Dirt poor (on paper) and toothless has advantages.
Who wants to sue someone standing on a banana peel at the corner of Broke and Dead?
/johnny