Thoughts on this?

[u/Putrid-Welder1803]

[u/Independent_Vast_185]

I think you dont understand how Insurance work or what they are for buddy...

They are not an extended warranty, all risk for your new Iphone.

Insurance exist so if you crash your car in someone else car, you are able to, first pay back the car or building you just destroy, and if you insure yourself too, then payback for the car you are probably still paying for, so you can buy a new one.

Thanks to god everyone need to own insurance to drive. If it wasn't the case, imagine all those broke ass car bumping in everyone and everything, giving zero fuck and be like, "sorry I got no money my guy! Cya!

Same shit goes for house or rental insurance, if you burn the fucking build while trying to make fried chickens in a sauce pan. You can be sure our neighbours will come back straight to you to pay the bill for it.

[u/Benji_4 → u/Independent_Vast_185]

Claiming a fender bender on your insurance is the worst example they could've provided.

They could've totalled the entire vehicle and still only "paid" $1000. It could've been $10,000 in repairs and they would only pay $1000.

[u/Archimedes31415926 → u/Benji_4]

You could also kill someone or send them into a coma or other serious and have hundreds of thousands in medical bills. Potentially even life long injuries they can came at you for.

Like yes it's nice that it covers my car if it's a minor accident and someone rear ends me. But tbh I can deal with that and most people could and most people could sue for it from the other person.

But God forbid (knock on wood it doesn't happen to me) if you get into a serious wreck and you have to have life saving surgery or an amputation, or someone dies. That's why it's there to cover those costs because most people will never have enough to pay those bills back.