Earlier quoted context omitted.
Totally. There's distance between: "people think I'm stupid because I'm not scared to show that I don't know about something" and some of the examples which are more along the lines of "people think I'm stupid because I act as a self-entitled genius who provides little context or reasoning behind choices and expect everyone to line up behind with no question" What is the Apple store employee supposed to do to not mak…
> The insurance dealer does his job and tries to get a higher premium? Not surprised. This is actually an example of where the author IS stupid. You will often be found "at fault" in cases where you are not actually at fault (the other driver lies better than your truth) and there are many cases (at least in Ontario) where you are legislatively at fault even if you did nothing out of the ordinary (making a left turn…
Liability - that pays for damages/injuries to others
Collision/Comprehensive - that pays for damage to your car
It sounds like the author wanted Liability but didn't want to pay for Collision. If you have significant assets and/or a cheap car, it may be to your advantage not to get the collision. Except he didn't use the customary terms but described them rather elliptically.
In fact, take the money you save on Collision and get more Liability is not a bad idea.