this post was submitted on 29 Jul 2023
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No it's a safeguard against someone destroying your fucking car and not having the means to pay for it.
If they can barely afford the insurance and hit you their insurance isn't paying.
I've been hit by red light runners thrice and while biking in a parking lot (ironically got more injured here) and only two times the drivers didn't have insurance..... not a single one paid out.
Insurance is a scam and defending it is akin to defending a Ponzi scheme imo.