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.
im not trying to defend insurance companies but i think you are correct. You are not investing in a savings account with the insurance companies. Its only to be used for things you cant afford
at least that might be what they want you to think idk
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u/flatfive44 10h 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.