> Possibly willing to buy collision is a proxy for a generally prudent driver. It's a proxy for not being able to afford to fix or replace your car at the drop

> Possibly willing to buy collision is a proxy for a generally prudent driver. It's a proxy for not being able to afford to fix or replace your car at the drop of a hat. >Also, skipping collision happens most often when driving a really cheap car, which can be a marker for a bad driver. Once again, just a proxy for money.