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      06-01-2019, 01:18 AM   #21
rak299
Lieutenant
United_States
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Drives: 2018 340i xdrive F30 6MT
Join Date: Sep 2016
Location: san francisco

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Overall, insurance is a good deal for the insurance companies. For you, insurance is a good deal if you collect more than you pay in or if it helps you sleep at night. In real life, you should insure against what would be a catastrophic loss for you. For some people, a $500 un-budgeted repair is a catastrophe. For some people, a total loss of a car means they go car shopping tomorrow.