Scenario: I pay X amount of dollars per month for car insurance. I have all 4 tires stolen from my vehicle overnight. I submit a claim with my insurance company to repair any damages. I now pay a **hefty** X amount of dollars for the event that has occurred.
In: Other
A few reasons:
1) You don’t get a friend to steal your tires since the new tires cost you something.
2) More incentive to avoid claims since they cost you $.
3) Avoids the hassle of dealing with small claims
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