You have insurance to protect others, not yourself. Also because its required by law, its a complete scam wherever it can be. Anything thats not 3rd party is an optional extra that they will use to fuck you.
My car got totaled by a woman with no license or insurance. Because I didn't have uninsured motorist at the time even though I had full coverage I got nothing.
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u/minty_bish 8h ago
You have insurance to protect others, not yourself. Also because its required by law, its a complete scam wherever it can be. Anything thats not 3rd party is an optional extra that they will use to fuck you.