Another point to remember (a lot of people that self-manage their properties are unaware) that many of these that are considered "vicious breeds" are not covered under many/most homeowners insurance policies, so it leaves you very vulnerable when an accident occurs. 

But, they will want to know what caused the chapter 13 (job loss, medical debts, auto accident, etc - which are the most common or was it something like gambling debts (which isn't going to get you what you want).

I think your thought about tracking mileage makes sense, thank youI've not thought of it this way, but if your LLC buys the car, you may be opening up your LLC to greater liability in a catastrophic auto accident. 

I am experimenting with "accidently" responding to the text with the 4-digit number that reports it as spam to FTC - 7726.

While it may or may not actually be illegal, you will have a tough time collecting, since both insurers will insist it's the other one's problem.Remember this fact and you will do well: "Insurance companies are not here to protect you from accidents, there are here to make money".

Somehow, someway, they will figure out a way to drag out all of these programs and in the process divert these funds to other areas accidently (on purpose). 

More adults between 18 and 45 died of Fentanyl overdoses in 2020 than Covid/Vehicle accidents/cancer/suicide.

Also, in WA you have to offer monthly payments for the security deposit, so I didn't want to freak out too much.August 2022 - Rent payment is late, and fails several times...no rent for AugustSeptember 2022 - Tenant gets a big check for a past car accident, pays August rent and September RentOctober - December 2022 - Tenant pays rent late every month, but always pays rent and a $190 late fee January 2023 - Rent Fails, no rent collected February 2023 - Rent fails, tenant finally responds to text messages, and tells me that her sister (who is on the lease) has been in the hospital since December for mental health reasons.

So even if you pick a state with stronger protections like WY or NV, the cause of action arose in the state where the tenant fell, so likely that the court where the accident happened would have jurisdiction.

Most died young (overdose), were in catastophic car wrecks or other "accidents" or went to prison.