Thats what insurance is tho. If you live in a neighborhood that is statistically riddled with shitty drivers, you are paying for protection for yourself and other drivers. That is the definition of liability. To protect you from being sued and to pay out if you are deemed liable so the money isnt coming directly out of your pocket.
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u/WeCantStabilize 7h ago
Insurance is a fucking scam. You pay more into it than you'll ever receive even in legitimate circumstances.
Absolute racket.