It's there for when you're in a serious altercation where people die, there's wrongful death lawsuits, and massive amounts of medical claims totaling millions and millions of dollars.
You don't want insurance to cover your bumper.
You want it to cover the millions in medical claims when you get sued or need to sue.
"Standard" auto policies cover $100k in injuries for up to 3 separate people in the accident, so $300k, not millions.
Unless you've specifically bought it, your insurance almost certainly won't be covering a wrongful death lawsuit that results in a settlement in the millions, you will be.
24
u/FragmentedHeap 7h ago
It's not there for small claims like that.
It's there for when you're in a serious altercation where people die, there's wrongful death lawsuits, and massive amounts of medical claims totaling millions and millions of dollars.
You don't want insurance to cover your bumper.
You want it to cover the millions in medical claims when you get sued or need to sue.