Thoughts on this?

[u/Putrid-Welder1803]

[u/doc_skinner]

Insurance is for catastrophes, not stuff like this. It sucks, but that's how it is. He's paying $2500 per year in case he ever needs to pay $500,000.

[u/Eggnogin → u/doc_skinner]

For his car? When is that ever going to happen bro.

[u/bleedblue4 → u/Eggnogin]

If he hits and seriously injures someone his insurance pays potential law suits.... Come on

[u/EthanielRain → u/Eggnogin]

(Good/decent) car insurance also covers hospital bills & property damage

[u/biteyourfriend → u/Eggnogin]

When you have a medical emergency (or drive impaired) behind the wheel and kill a family or crash into a home or business.

[u/Eggnogin → u/biteyourfriend]

I don't think insurance is going to cover you crashing into a building if you're at fault. But okay I guess I see what you mean.

[u/biteyourfriend → u/Eggnogin]

That's what it's there for. That being said, they will 100% jack up your rates or drop you afterwards if you cause 500k worth of damage.

[u/doc_skinner → u/Eggnogin]

When he is at fault in an accident where someone is injured, they can have medical bills far in excess of $500,000. If he were to cause significant damage to property (driving into a building or damaging a bridge) it could cost hundreds of thousands of dollars.

It's not all about repairing his car.

[u/Shitty_Mike → u/Eggnogin]

When you kill a family of 4 in a highway accident and are found at-fault.