The accident seemed unintentional based on their description.

Good thing I discovered BP by accident. 

I starting getting calls from my first yellow letter send out.Set up my first meetings in a couple of days.Very nervous to say the least.The first phone call I got I answered by accident and fumbled my words like a little kid.I've been doing research on the first few properties I;m going to meet the homeowners at the problem is there is no recently sold homes in the area for me to get an idea of a median price.One is a small 2bd/1bath the other is a 3bed/2bath.I'm in Worcester MA and the values of home drastically change a ittle down the road.Whats a new guy to do?

On Halloween, I was involved in a car accident that should have taken my wife but I was lucky and it only has taken my vision.

With tile you have to worry about slip and fall accidents with the elderly or children.

Insurance " SAVES ME PEACE of MIND" how could you chance to operate without it.From storms, to accidents I don't know how a rental license could be issued without proof of coverage.

I started this way by accident.

I almost feel inclined to go with what the natives suggest.Had anyone done this in a c-class neighborhood and was confronted with horrific situations after the fact, extreme damage, mishandling of the appliances or even theft?

I typically go after mis-priced REOs that are underpriced perhaps by accident or lack of knowledge by the listing agent on the unit, and that allows me to offer list price or higher and lock the unit under contract. underbidding in current market for REOs usually doesn't result in success for me within first 30 days of a listing. good luck.

If it was truly an accident then your policy would pay out to the limits (hopefully you have more than $100,000 in Liability coverage!!)