>insurance rates are significantly higher The insurance rates are higher because they gotta cover six months of rental car while some unobtanium back ordered h

>insurance rates are significantly higher The insurance rates are higher because they gotta cover six months of rental car while some unobtanium back ordered headlight takes 3mo to ship to the one body shop in 100mi that won't actually get around to working on it for another 3mo (I'm exagerating a little here but not nearly as much as I wish I was). We all pay for it on some level.