If it was me and I had trusted you with a car, I wouldnt take your word after not paying for that long either. Either way it should be insured, unless the owner of the rental company cancelled his policy due to your outstanding debt and recorded deviant driving style, or, you wrecked into an inanimate object and f##ked something worth more then the car up and didnt want to be responsible for it.

Regardless, it sounds like you need a loan, which i certainly trust you to pay back... and I want you to share the details of your 'big mistake/bad time'.

Dont listen to Blood though, jail is just a waste of time and doesnt teach you anything other then not to like being in jail, which is general knowledge already.