Lindsay Lohan -- Anything Flo Can Do, I Can Do Better (TMZ TV)

Lindsay Lohan's gonna be hawking car insurance for Esurance, which makes perfect sense -- not only because it's a paying job ... but because the chick's got experience.

How many car wrecks, chases, DUIs and alleged hit and runs did she have to pull off before someone offered her this gig? Congrats, LiLo!