I took a sabbatical for the last ~year and a half and the only reason I wanted insurance was on the off chance I got hit by a car and ended up with some catastr

I took a sabbatical for the last ~year and a half and the only reason I wanted insurance was on the off chance I got hit by a car and ended up with some catastrophically high bill. My deductible is something like 8000 dollars but I'd rather pay that than have to absorb 100,000 after an accident.