Why would I care about the damage done to my car if I'm knowingly paying for liability only on a sub $2000 car? When physics takes the wheel, I can't control who else I hit and how fast
I apparently didn't catch the part of your previous remark where you alluded to the value of your car, but to be fair, the car insurance industry isn't both heavily regulated and immensely profitable because most people truly understand what they're buying, as a mandatory legal requirement more often than not.
metaphor|5 years ago