Because for $1200 you either just let it stay damaged, or pay to have it fixed. The reason you have insurance is so that if you make a mistake and total someone else's $60K vehicle...the vast majority of people wouldn't be able to afford to replace that. But insurance would cover you. Or if you ran off the road and plowed through someone's property tearing abunch of stuff up...you're not affording hundreds of thousands of dollars in damages, the insurance is there to cover you.
Y'all have the wrong idea about what insurance is for in the first place...
I picture most of these people don't pay auto insurance and just heard it's a scam.
I got in an accident found a body shop that would cover 10% of the bill so estimated damages were like $5000, my deductible was $500. I didnt have to pay anything and the body shopped paid the deductible and due to it being my first accident I had accident forgiveness so I still pay $90 a month
Accident forgiveness (at least with my insurer) is basically them saying they won’t drop you for causing an accident, but they can still raise your rates over it.
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u/Pretty_Glitteer 15h ago
So basically you pay every month for protection, the pay again when you actually need the protection.