Why do people pay for insurance? If they have the money to ensure protection in the case of damage or loss that isn’t guaranteed, why not save the money for when something actually happens?
These estimates are generous. My son was in a single car accident. 56k for the life flight. 18k for the ambulance, 280k for the hospital bill before surgery… Etc.
If you hit somebody in an expensive car that could run you over a 100k.
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