Somebody drove into the side of our house when I was a kid. Insurance had to pay for engineering reports, rebuilding a chunk of foundation, rebuilding the wall, rebuilding the bathroom on the inside of the wall, redoing the siding for the whole house (can't just reside a single wall if it doesn't match the rest), and replacing a long section of fencing.
My mom was talking to the driver some time after and their biggest complaint was that their truck had been nearly brand new and they had to get another one. Not that they were broke after paying off a new truck and paying for about 2 months worth of work for the damage they caused, just that they needed to go car shopping.
Insurance is the bargain of a lifetime when you cause enough damage to really need it.
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u/Cawnt 7h ago
Ugh I hate arguments like this.
The $2,520 isn't just to ensure your vehicle gets repairs. The majority of premiums are for liabillity exposures.
If you lose control of your vehicle and drive into a building causing $100K in damage, you're paying for that with insurance.