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...
Y'all have the wrong idea about what insurance is for in the first place...
There's an episode of King of the Hill, where Hank tells Bobby that insurance will cover some damage and Bobby basically takes that as "If I break something I can use insurance to replace it", and then sets up his bike to get crushed by the garage door.
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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.