If its a brand new Hummer 05 like you say. im guessing who purchased the car was an idiot and didnt decide to invest in Full coverage insurance so incase of an accident the Insurance company would cover the repair bill except for a deductable ????? If I was to purchase a brand new car. especially something worth 50k I'd have that baby insured from the tires all the way up to the antenna. id even have the car floor mats insured. LOL you get my point.