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Suppose that I had car insurance for ten years and never even once needed the ins company to pay for something I did and then after 10 years i decide i don't wanna drive/wanna switch companies. why shouldn't the insurance company give me all my money back besides what they needed to make their company function(ads/pay officeemployees/etc)
??
How about if you caused an accident that was much more than you paid in over the 10 years and they could come back after you for the difference? Would you take that deal? Insurance is a risk transfer contract... you pay small amount (premium) to purchase a large amount of coverage. If you really dislike insurance and think it is a bad deal... post $35K at the DMV and self insure.