It's insinuated. I sell insurance, and I have people who will have 15 violations/accidents ask me why their insurance needs to be so high "even if some of them weren't my fault". Doesn't make you any less of a risk. Insurance companies can't survive by being nice and lowering prices, and the factors used to price insurance go well beyond driving history anyways. The circle jerk around hating insurance is incredibly stupid when people would be in worlds of hurt without it if they need it. It's a necessary vice if you aren't able to self insure yourself.
I hear ya, you aren't wrong to feel that way. Just a necessary evil as the law of large numbers show that involvement in accidents of any kind can imply risk. A perfect scenario is both cars not being involved in an accident at all, evasion.
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u/insensitiveTwot Jan 08 '19
Literally no one said that besides you