Driving without insurance, or even neglecting personal liability insurance, is one of the most selfish and careless acts you can do. What then will you do if you cause an accident, severely injuring another person or persons, possibly killing them, all while you don’t have insurance? Sure, you won’t be able to pay damages and they will sue you for everything you could ever own, take your 401k and garnish your wages for the rest of your life. But what if that person you drove into also had neglected insurance, namely uninsured and underinsured coverage? They certainly can’t pay for their incurred medical expenses like surgery, medications, rehab, etc. in this situation you both fucked up.

So the next time you consider operating as a a part of society, consider, at a minimum, the financial consequences your actions can cause to others.

Insurance isn’t a scam. It’s federally and state mandated and it’s in society’s best interest that we all do our part to insure ourselves with high limits is possible. I’d argue that the insurance industry is charged with upholding a high level of ethicality and supports society in a positive way.

I’d recommend educating yourself on the topic through YouTube and Google to learn how a policy is formed, how deductibles work and why they are a good thing, types of insurance, etc. Also, stop fucking driving without insurance.

In regard to your loss, though, it’s a comprehensive claim. Meaning, it’s a loss outside of your control (weather, vandalism, theft, hitting an animal, etc.) Comprehensive coverage helps you out for a ‘comprehensive’ amount of things outside of your control. That is the “point of insurance”; to financially restore you to your pre loss condition.

A deductible helps in a few ways. First, if it didn’t exist, we would all be calling our insurers to file claims for the potentially small losses like a dent in the hood or scratch in the paint. There is a huge administrative cost in even filing a claim. The company must pay a employees to answer the phone, for example. The company would lose money quickly, else they would be forced to substantially increase premiums for their policyholders.

Which brings us to the second helpful thing about deductibles: price. The higher your deductible, the less your premium. Thus, the lower your deductible, the higher your premium. In the event of a loss, like your glass claim, it would’ve been really nice to have a low or $0 deductible. But you would have to pay more money each month for insurance of that convenience. Think of it like a justice scale with your deductible on the left platform and your premium on the right platform. The most rational thing to do is keep the scale as balanced as possible for a lot of people; it depends on your financial situation. And no, you cannot change your deductible right before you file a claim. That’s called fraud, it’s illegal, and the industry is very very practiced at investing claims.