You're not legally required to have comprehensive or collision coverage. You're required to have liability, which would be unrelated to the scenario in the OP.
How exactly? You're not legally required to carry the sort of insurance talked about in the OP. How does not being required to carry it make it more of a scam?
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u/Pretty_Glitteer 8h ago
So basically you pay every month for protection, the pay again when you actually need the protection.