K.O.S. Insurance Company
K. O. S. Insurance Company is when you're too broke to pay for insurance, so you beg your friends, family, or complete strangers to help you out. It’s like asking your mom for a loan, but she gives you cash and a lecture.
My friend had a flat tire, and my cousin showed up with jumper cables and a threat.
I had no money for food, and my neighbor gave me a pizza and a side of insults.
My brother got in a fight, and my uncle showed up with a bat and a smile.