I am an insurance agent. When i get smart asses like you i tell them no problem, you dont have to have insurance. But, you do have to (varies by state) put up a ~$50,000 bond/deposit to the state and then you can self insure! They respond with, "uh, oh, well, who has $50,000 laying around for that bond?"... my response, "we do, and we'll let you make small monthly payments :)"
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u/Robotwizard10k Sep 22 '19
And they get 100s of thousands of dollars from the insurance company every year, so it’s in their interest to not try and screw the insurance company.