I have a little different attitude/opinion when it comes to insurance. Carrying full coverage and adequate liability limits on my vehicles has served me well.
I have a 25 year old travel trailer that is a toy and not worth much. That is the only vehicle that I own that does not carry full coverage on.
If I had limited resources and that trailer was my sole residence I would be looking for full coverage insurance with an "agreed value" and set the value at the cost of a very minimal replacement.
The policies are cheap. It's been a few years since I did that. IIRC: full coverage with an agreed value of $5000 my premiums were less than $20 a month.
Not much money to give you the ability to replace your rig in the event of catastrophe.
The cops running him out of the parking lot after he explained that he was too tired to drive is borderline criminal. I had a similar experience several years ago. I stopped at about 11
m and was exhausted. About the time I settled into bed the cops were at the front door. They told me that I couldn't stay there. I explained that I was too tired to drive safely. The cop told me that his shift ended at 6:00am and he was going to come back just prior to the end of his shift. If I was still there when he came back that he would ticket me and (bluffing?) have my bus towed.
I set the alarm clock for 5:00am. Got four hours sleep and was on the road by 5:30am.
I think that , if I were them, I would be attorney shopping.