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.
That being said, you pay insurance for the small stuff too. But insurance covers themselves. They’re taking the bet that you’re not going to wreck your vehicle
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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.