After a freak rain, during a winter day, black ice was made in seconds & I hit the snowbank going sideways, rolling the ranger onto its roof. Was slowing down from 70km/h when I lost control, and walked away without a bruise. Even finished the work day. The point is (other than my bad luck) I learned some things about my insurance I'd like to recommend. If you have a newer Ranger, pay for the clause that covers vehicle depreciation. This saved my skin. The Ranger I crashed was an '09, and 2 1/2 weeks later I'm driving an '11. I'm out $50.00 from pocket. The other thing we had, was the first at fault accident isn't counted. I recommend these 2 things, never thinking I'd use them, they are awsome. The '11 Ranger is excellent. Am sad this is the last year.