James is a college senior who is majoring in Risk Management and Insurance. He owns a high$-$mileage $2001$ Honda Civic that has a market value of $$4,000.$ The current replacement value of his clothes, television sets, stereo set, cell phone, and other property in a rented apartment totals $$9,000.$ An avid runner, James runs $5$ miles daily in a nearby public park that has the reputation of being very dangerous because of drug dealers, numerous assaults and muggings, and drive$-$by shootings.

For the following risk or loss exposure, identify an appropriate risk management technique that could have been used to deal with the exposure. Explain your answer.

Liability lawsuit against James arising out of negligent operation of his car.