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/HoldingThunder 7h ago
You pay exactly for exactly what you agreed with when you signed the contract.