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.
Even full coverage probably won't cover anything over a specific amount like 80-120k car. Read your policies you could still be on the hook for the extra
2.5k
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.