Rock + car = large bill

We were out having a pleasant drive up around Heber City today and on the road back out of American Fork Canyon, we encountered a gigantic rock in the road as it rolled off the side of the mountain. I collected it neatly with the Subaru and tore open the exhaust pipes on the left hand side of the car, resulting in a 50mph drive back to Salt Lake City, and no doubt a crippling repair bill from Subaru tomorrow. There's no point in trying to claim it on the insurance; if they did pay, it would just put my already stellar premiums up even further. And it's not like insurance companies make money out of paying out claims so the chances of them even covering it are less than none.
Don't do this to your car, then :

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