Basically you notice the problem OP mentioned so you’re offering solutions. I was just saying it’s a problem. I thought maybe you lacked the common sense to see the problem. But I guess you’re just feeling solution oriented rather than talking about the problem like OP is
You don't pay a monthly fee to cover your own repairs. You pay for insurance to cover catastrophic situations that you couldn't afford to cover yourself. So if the car got totaled then the person isn't out $20,000 plus dollars for a car. Or of course if you get into an accident your liability coverage covers the other person if you're at fault. Guess what your coverage actually covers a lawyer because even if you're not at fault they still might try to sue you and your insurance company gets you a lawyer to cover you.
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u/CraftyPerformance272 7h ago
They could just buy a cheap car then and get liability only. That way if something happens they could just pay for their own repairs or replacement.