So basically this is extra costs. At least to those who have purchased new cars. This is to make sure that just in case of an accident, you have something that backs you up and maybe someday replaces the car you just ran into a pole. Provided you did not suffer any damages yourself, in which case, the money goes into your health and safety instead. Just a little side note. You do not pay this out of your pocket but instead annually. That is Auto insurance in Broomall PA.
Although, there might be instances where it works the same way anyway if your car just broke down. The insurance company can still cover for you the same way but at least cannot so bad. It actually is not as if your car drove into a ditch or something. Now THAT would take a lot more effort from the company.
As for something like a poor driving record, well that could lead to some higher premiums. Those require you to pay a lot more on a yearly basis. You know, to make sure that if there ever was an event that you indeed crash it. At least by then, you get a new car as a replacement or something of the same caliber.
Property is going to be paid off by the company, of course. It is part of the agreement that they do because you paid so much annually. Plus, it can only be fair to the people whose property you broke. Like a gate or worse, a house itself. If that were to actually happen, then you are in for some serious repercussions.
To avoid that, do not EVER drink and drive. Driving while drunk is illegal and also dangerous for you and the people around you. While it can be obvious that duh, you should never ever do this while wasted, there are still stubborn people out there who refuse to let other humans drive their car for them even if it literally is so obvious they physically cannot themselves.
In those cases, maybe it is better to knock this person out. It certainly saves you and this man the trouble of having to deal with the insurance company the next day. Yeah, definitely knock him out and make sure they do not wake up for another thirteen hours. That prideful idiot needs the sleep he can get.
Anyone else has a friend and a family member who is like this? Does it not frustrate and anger you? Especially if a person who is like this happens to be your father. You already have so much on your plate but then an accident happens and you are left with more stress. And it is not because of unforeseen circumstances either.
It simply is because your dad went drinking after work, got wasted like a bent coat hanger, and proceeded to idiotically drive himself home. His friends offered to drive him home themselves but of course, your father being the prideful jerk that he is, refused and did it himself. How many times has this happened already? FAR too many.
The good news is, he did not get hurt. The bad news is that the family car is now a total wreck. Your mother nagged him so many times that this would happen and he still did not listen. Now, he probably should have thought that he did.