Earlier quoted context omitted.
Around 10-30% of drivers in the United States don't have car insurance depending on the state. It really depends on the state on how strict they are with car insurance. My state is very lax and they don't even really check at the DMV. The fine for not having car insurance is also only ~300 bucks and a 90 day license suspension and it only goes up slightly until like the 4-5 time you get caught. It just honestly doesn…
> Insurance in general is a whole racket. Its literally only works due to the fact people on average pay more than they receive. "Oh but what if a bad thing happens" way to live your life, disregarding economics and averages. That's literally the _entire_ point of insurance. You pay a little more than the average you're expected to actually need so that, in the event of a catastrophic event, your not on the hook for…
Admittedly, having it since we got her would have wound up saving us money overall, since she's had two CCL surgeries (at ~6-7k a piece). But the decision we made was based on expected cost and averages; so the choice me made was (effectively) a bet that didn't turn out to be the right one. But it generally _would_ be the right one given the facts we had at the time we originally got her.