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Originally Posted by DJ FC
Insurance companies aren't evil and life would be much worse without them.
You pay them to take risk.
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Correct.
Niger, lets say that car parked at the bottom of the hill had 3 young kids in it. Lets also hypothetically say you didn't see that car because you were changing your cd (or something). Then, lets say that you slam into the car at 50+ mph, killing one and seriously injuring the other two. Medical costs and a settlement could theoretically run you into the millions. Paying 1500 a year seems like a reasonable fee in order to prevent such an incident, regardless of how unlikely it is.