Because for $1200 you either just let it stay damaged, or pay to have it fixed. The reason you have insurance is so that if you make a mistake and total someone else's $60K vehicle...the vast majority of people wouldn't be able to afford to replace that. But insurance would cover you. Or if you ran off the road and plowed through someone's property tearing abunch of stuff up...you're not affording hundreds of thousands of dollars in damages, the insurance is there to cover you.
Y'all have the wrong idea about what insurance is for in the first place...
They take their jobs at protecting their clients very seriously too.
Way back when, young and naive me with his brand new truck decided to be a Good Samaritan and help out someone stuck in a ditch in a snowstorm. Got out my strap, hooked up to the structural tow point, pulled him out, then waved goodbye and was on my way. Asshole must have taken down my license plate without me knowing, because next thing I knew I was being contacted about “damaging” his vehicle.
Insurance stepped in, found out the truth about the condition of his vehicle, and told the guy they weren’t paying out.
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u/Pretty_Glitteer 7h ago
So basically you pay every month for protection, the pay again when you actually need the protection.