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As someone who generally carries liability-only, and who has had two other-guy's-fault interactions, you should carry collision insurance if: * You let other p
by georgieporgie 15y ago
As someone who generally carries liability-only, and who has had two other-guy's-fault interactions, you should carry collision insurance if:
* You let other people drive your vehicle. Incurred costs can ruin relationships.
* You don't like defending your own best interests against potentially hostile parties. Getting paid for damages can be a massive headache.
- gte910h 15y agoAs a person who values my time (it actually has a dollar cost I quote all the time to my customers), I couldn't imagine litigating something like a non-injury car accident. It would take so much time for so little money comparatively speaking. Hence, insurance company (professional accident cost removal companies).
- georgieporgie 15y agoI've experienced one of each. Progressive was excellent to deal with. The Yellow Cab Cooperative in SF was a nightmare. But hey, that's what lawyers are for.