Here is a story that might make you rethink your insurance coverage. Professional gamer and YouTuber "FaZe Rain" had himself a pretty swanky Audi R8. Unfortunately for him, the week he was moving from New York to LA, a driver in a Ford Mustang who was driving very recklessly swerved into him and caused some serious damage to his car. The Mustang driver's insurance covered only $100,000 in damages, where "FaZe's" R8 cost about $250,000, according to him. Thus the car was totaled out. That has got to hurt both of their wallets.