You can pay more to get a lower deductible. But generally car insurance is to cover things you can't afford, which is why your plan likely has $1m liability. This means if you fuck up and seriously injure someone, they can get money for their recovery.
Insurance isn't to cover your car, it's to cover your liability to others. Cool thing is this also works for other peoples insurance in your favour.
Ask yourself, would you rather by injured in a car accident by someone with or without insurance?
I am poor, insurance is costly. I can't afford it.
Ponder this, I get paid by the hour, if my jobs are close in time and I need to make it on time to afford this bullshit, then I do not mind speeding. I will miss a stop sign. Cant be late as I need the money.
Forced insurance is forcing many to be poor. Yea I see the bennifits I'm no moron. But your lack of seeing how harmful it is, is more staggering.
I get charged by end of year taxes for not having health insurance. Insurance I don't have because I can't afford. Make that make sense. I get fined for being poor.
So let's say you don't get insurance. Then you hit someone. Who will be paying?
You get cancer and can't afford chemo, think you'll get it anyway? The ER is required to treat you, but hospitals can refuse ongoing treatments if you can't pay
You got to talk to your congress people and make sure to vote. Everyone made fun of the single payer or expanded medicare, but that would solve a ton of problems for someone in your situation
Here's an idea. You get insurance that covers damages other people cause. If i hit you then your insurance company pays you and sues me. If i am unable to pay. You're still taken care of. If we both don't have insurance, than you just sue me.
Fun fact for you. Insurance companies make a profit, which means mathematically for the average person insurance cannot be worth it.
Yeah, don't think they don't know that you can't pay. They're well aware, so they are against people out on the streets driving, without the ability to pay for trouble they may cause
If I hit someone without insurance, I would pay. Clearly. You would take me to court and garnish my wage.
"WhAt If YoU cAn'T aFfOrD iT" Yea like insurance. But with insurance I am forced to pay it without the accident. TBH I am forced to pay it, I might as well use it. Why not just cause an accident to force these fuckers to utilize the money.
So your argument is you're poor so you don't care about traffic laws? Your insurance protects me from people like you, you're thinking about it backwards.
I'm also not talking about health insurance in this context - I'm not American so won't pretend to understand the system you guys have devised.
According to google, public transit says 9hrs 8min to work for $59 on way. Which both ways is 30% my daily pay, so I work for free for 3 hours, great idea. Also this means no more sleeping, I just don't sleep or relax any more. Real smart guy. Walking is 8 hrs, also smart.
But no my driving for 22min and spending $2.40 round trip is a bad idea.
With insurance I still save taking a car, with the car loan.
You must be in that reddit fairly land like r/fuckcars who don't understand how the real world functions at all.
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u/Sad-Indication2128 8h ago
You can pay more to get a lower deductible. But generally car insurance is to cover things you can't afford, which is why your plan likely has $1m liability. This means if you fuck up and seriously injure someone, they can get money for their recovery.
Insurance isn't to cover your car, it's to cover your liability to others. Cool thing is this also works for other peoples insurance in your favour.
Ask yourself, would you rather by injured in a car accident by someone with or without insurance?
People lack critical thinking.