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CHARLIE_CANT_READ t1_ixh8dki wrote

To play devil's advocate truly freak accidents have a negligible impact on total claims paid so requiring them to be covered should barely increase rates.

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il_biciclista OP t1_ixhde3a wrote

Yes. Thank you. The purpose of insurance is to pay for freak accidents by spreading the cost among people who might be responsible for such accidents in the future.

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Wtf_is_this1234 t1_ixi7wiw wrote

No one could afford insurance that would fully cover a claim like this and no insurer would write a policy that had limits that high. It's a pointless thought exercise to even argue about this.

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