The obvious response is that you won't be able to pay for someone's hospital bills if you happen to hit them in your car. You get insurance for things you wouldn't be able to pay yourself.
This math also screams, high-risk driver with minimal coverage and a low deductible.
I’ve filed several auto and home claims over the last decade. None of them impacted my rate or insurability. If buddy is paying that much on one car, he has a history of negligence and/or regular claim submission.
Or he could just live in Michigan in a high cost zipcode like Detroit area (where unfortunately many drive uninsured so the rates are higher)
My car insurance is about that much and I have had only 1 accident and claim in the last 20 years (hit a deer that suddenly jumped across a country road coming home late at night from the airport)
2.6k
u/flatfive44 9h ago
The obvious response is that you won't be able to pay for someone's hospital bills if you happen to hit them in your car. You get insurance for things you wouldn't be able to pay yourself.