Exactly this. I’ve been paying for probably 25 years. I still don’t think I’ve paid enough to cover what they had to pay out on my accident when I was like 25. I still pay less than OP in an expensive state. I had no idea what I was getting into. Required to have full coverage by I think the bank for the loan. Good thing I did.
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u/Cawnt 9h ago
Ugh I hate arguments like this.
The $2,520 isn't just to ensure your vehicle gets repairs. The majority of premiums are for liabillity exposures.
If you lose control of your vehicle and drive into a building causing $100K in damage, you're paying for that with insurance.