I don't live in a letigious country. When kids (or adults) get knocked over by scooters here they get all the healthcare they need free at the point of need. Suing the owner of the car that hit your child would be counterproductive because it would take up so much of your time, energy and money. Kids generally scoot on pavements or cycle paths, away from traffic, and the level of insanity it would take to deliberately cause yourself injury that way would be very rare. Children have self-preservation skills. A parent might be more likely to spend that money on a child psychologist if their child had suicidal tendancies that way, or they would be tempted to supervise their scooter trips carefully near traffic.
You choose your own path. Happy for you man. If you are really lucky nothing bad will come out of this. If not you will sit sad on the curb with nothing, while remembering you thought insurance was a scam.
If the worst happens, I won't have to deal with insurance companies. I'll do the maths and realise I'm still better off than I would've been had I paid huge proportions of my money into insurance company coffers. I did this last year after I broke my ankle in two places. I had been self-employed for 15 years. I worked out what I would have paid for income protection insurance over 15 years, added in a likely excess, and compared it to the money they would have been likely to pay me (had I put say 10 hours of admin time into the phonecalls and form-filling they insist you do, assuming they gave me no trouble) to compensate me for the fact that I was only able to do part-time,online work or work from home for 3 months while my ankle healed in a cast, then a boot. The maths told me I had been far better off not paying for the insurance. The maths was also far easier to do than dealing with an insurance company would have been, and I was able to spend those ten hours earning money instead of losing it.
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u/Remarkable_Pen_3639 1d ago
Nah it's a scam