By that logic let’s just get rid of insurance entirely and the people whose cars get totaled can go buy a new car. My car’s not totaled, why should I be paying insurance premiums for the insurance company to replace theirs?

Literally the whole point of insurance is to take random risks like that and spread the cost to everyone regardless of who is personally affected.

If you mean corrugated, that’s showing a cut through view of the shape. Not sure why it’s shaped that way, but that side goes facing toward the door jamb so you won’t see it once installed.