At best this means "Ge a higher deductible" for most car insurance. You very likely WANT an insurance company to deal with the fallout of an accident. It suck

At best this means "Ge a higher deductible" for most car insurance. You very likely WANT an insurance company to deal with the fallout of an accident. It sucks to deal with that crap yourself. Homeowners property damage, similarly, you want a relatively high deductible (as you will pay many times over for repeated small claims).