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by LnxPrgr3 3214 days ago
Because I'm buying the service of them paying my liability, and also my own damages if I opt for it, if suddenly I crash. They sell the service of protecting you from financial risk.

A car insurance policy that costs $400 once but only pays for $400 worth of damage ever, and isn't refundable, is a bad deal. No one would buy this unless forced to.

False equivalence.