Some states allow you to self insure, FLA, did in 2008 or so, dunno about now. if you have xxx,xxx in available funds you don't need a policy from an "insurer". but then you don't have fire/theft/vandalism and of course if there's lien you can't self insure. My Dads inlaws who were canadian had a trailer in FLA and the car was registered there and they self insured and still spent 6 months in Ontario each summer. Since they only owed a crappy trailer there wasn't much someone would get from them in a suit.
Op, glad you seem Ok, so sorry about the car. It always bugs me to see a smashed Mirage.