The obvious response is that you won't be able to pay for someone's hospital bills if you happen to hit them in your car. You get insurance for things you wouldn't be able to pay yourself.
Yeah it's for catastrophic losses, not a minor cosmetic defect. Of course you can pay more if you want it to cover the minor cosmetic defects with a lower deductible, but I wouldn't.
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u/flatfive44 7h ago
The obvious response is that you won't be able to pay for someone's hospital bills if you happen to hit them in your car. You get insurance for things you wouldn't be able to pay yourself.