You business model is that of a flipper and this is an "accident".You can see how many things in your specific situation could go either way depending on what was actually going on. 

It's all a game of creating barriers of exposure to your other assets and if you have a big enough accident at your property, insurance will not cover it most likely. 

Then I remembered “I have stuff” and if I get in an accident while driving for Uber somebody might be tempted to sue me and take my stuff. 

I've been a first-responder to 4 car accidents (just right-time, right-place, I guess). 

It starts by running an INTENTIONAL business, not one by accident. 

We talked about going to home depot to get parts, driving over to show units,  and getting into an accident  while managing my units  - this is not comparable to the Uber or the pizza delivery boy above.

I got sober in 2013, and then had a car accident in 2015.

I'm 99.9% sure it was an accident...

I found BP by accident one morning sifting through podcasts in Spotify.

Also I have seen here in Oregon when out of state lenders come in with no license they end up making interest free loans as well if the borrower catch's on that they are not state licensed.. does not matter on a 1 to 4.. any loan in this state needs a license if you hold yourself out as a lender.. there is the 3 a year rule for local citizens in their IRAs that do not hold themselves out as lenders.And also not quite the same but on the same line as Treble damages.. if you cut timber off of your neighbors property in Oregon by accident yo can be sued for Triple stumpage..