> I wouldn’t have insurance but it’s required in my state. Does your state require comprehensive/collision insurance? I've only lived places where you would be

> I wouldn’t have insurance but it’s required in my state. Does your state require comprehensive/collision insurance? I've only lived places where you would be permitted to get liability-only insurance which would specifically not cover either of the situations you think you got screwed on. (Neither of which is why most people get insurance anyway. You get car-insurance beyond the legal minimum because while you will likely pay more in the long run, you won't have to deal with a surprise tens-of-thousands replacement bill out of nowhere if you accidentally total your car. Or because you have a loan and your lender doesn't trust you to go without it - of course, if you truly don't need insurance for something, you likely don't need a loan for it either. This is generally non-controversial and the "obviously it's a bad deal because the insurance company exists and pays salaries" hot take is... duh? well known? not an insight?)