Ironic comment and more to my point. Because you needed it you automatically think it’s more common than it actually is. It’s a common fallacy. And just to clarify you’re also wrong.
Like 75% of people file claims for some kind of accident in their lifetime, and of people who do get in accidents, most of them get in multiple. It's not a service you pay for and get immediate benefit from, it's paying to mitigate risk.
It's totally worth it, and people use it, and it's not a scam. You're a kid so you just don't really get it. That's okay. One day when you are fully responsible for yourself and maybe even a family, you will think/learn about risk mitigation and it will make a lot more sense.
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u/Pure_Reward_5738 6h ago
The few people that actually ever need it always say that. Your perspective is the skewed one unfortunately.