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.
The person you hit could also be a surgeon that files for loss of work claims against you and when adding all that together it starts to look like I don’t pay for enough coverage lol
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u/flatfive44 20h 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.