The taurus is ok, it's just old, so it's showing it's age. If it were better taken care of, it would actually be a really good car.
The one I have has some uncommon options (as I've come to find trying to find parts for it.) I have the Duratec 200hp V6 engine, where as most have the Vulcan 145hp V6, I have dual sun visors, most have singles, I have a vinyl wrapped dash, most have a plastic dash. I have the power seats with inflatable lumbar pillow, most have the manual seats.
So I do appreciate it for what it is. I bought it because it's what fit my credit and payments, etc. At first I thought 'Oh, damn it's a taurus! ' but it's actually an underestimated car. They've used the engine from this car in Noble M12's and other kit cars, and stock it's got a little pick up in it.
Once the carputer is done (which will be very soon I hope) it will be a truly unique car. I'll probably end up keeping it until it explodes, and at that point I'm going to drop in a northstar if it will fit, otherwise a twin turbo duratec...
Insurance fraud is nothing I want to mess with, that's why I haven't. It wasn't hoping to get hit, it was more, I hope someone backs into it in a parking lot or something (not this car, a previous one) so that I could get a replacement.
I totally agree with the karma thing, basically what goes around comes around.
Sorry to assist in the thread jacking here, sometimes it's good to go off topic for a bit though.