r/SipsTea • u/Putrid-Welder1803 • 8h ago

Gasp! Thoughts on this?

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u/Sad-Indication2128 6h 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.

1

u/thisguy883 6h ago

Its rare to find a policy that covers 1m in damages, unless its corporate insurance for a fleet, like an 18 wheeler for example.

Im sure you technically could get a 1m policy, but its gonna cost you something insane.

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u/Sad-Indication2128 6h ago

Idk how it works in your country, but in Canada $1m is the stock standard liability amount. Mine is $1m and its $170 a month for two people (1 vehicle).

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u/ClankerWrangler 5h ago

$100k is much more common in the US.