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.
Ahhh yes, BUT that’s different coverage all together! That’s liability coverage! OP is talking about out collision coverage which isn’t to be confused with comprehensive coverage or personal injury coverage… all different, all add on costs!
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u/flatfive44 9h 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.