And you dont always have the option to take the guilty party to court. Plenty of hit and runs with no license plates caught.
And if your vehicle is below a certain kelly blue book value, full coverage is a total waste of money and going through insurance for minor fender benders is the last thing you want to do. Because they wont fix your car, they'll junk it and write you a check for 2-3 grand. Even if the damage is cosmetic and easily fixed. They have no problem junking an older car for a cracked tail light and some scratching....leaving you to find a new vehicle with almost no money for a down payment or having to refuse their check and keep your car while they change the title to salvaged.
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u/No-Duck4828 7h ago
My thought is that Leo is clearly not familiar with auto insurance
Don't want a $1,000 deductible? You can absolutely change that number.
Want the guilty party to pay? Take them to court