this post was submitted on 07 Jul 2026
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It's not a $20k repair bill I'm worried about, it's the potential of $100k+ in medical liability that I'm really buying insurance for.
In my area there's plenty of expensive cars driving around too, I somehow doubt the minimum $25k insurance would cover even half the cost of a totaled car + everything involved.
I didn't mention the medical liability, since a modern civilized society shouldn't need to have me worried about medical liability. I was lucky to have good insurance when I was a pedestrian hit by an uninsured driver. I wasn't on the hook for my $60,000 in medical bills, because I had insurance. In a good society, I shouldn't need private medical insurance to protect me if I get hit by an uninsured driver.
Now, if my new car gets totaled by a shitbox '88 Cutlass Cierra driven by a person who can barely even afford THAT car, then that's where requiring insurance comes into play.