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If my state didn't force me I'd probably forgo car insurance. I've paid for a decade or more and never had a single claim. Besides my windshield replaced a single time. Total scam like most insurance.
Insurance as a business model only functions when it is on average not worth it.
No. They could invest the money and run off that. Also in practice when there is a national level disaster they get money from the government.
Average american doesn't have $400 saved up for unexpected expenses. Just imagine driving around knowing that at any moment some broke mf is going to crash into you who can't afford to pay for the damage. Personally I'm glad that vehicle insurance is not optional.
What happens when a car hits you? Does their insurance cover it?
Its complicated, but basically yes. The insurance companies determine who is "at fault" and the money comes from that person's insurance.
Yes, but remember that the insurance company makes money by denying claims and minimizing the cost of the claims that they can't deny.
My wife was run off the road by another driver, we had it on her dash cam. All in about 400 dollars worth of damage to her car. The offending driver fled the scene, and we were unable to get insurance information... At first... We paid to have the car repaired out of pocket, since the damage was less than our deductible, and the insurance company started to slow roll our claim. First, they "lost" the case, then they "transferred" it to another agent, then they couldn't locate the owner of the other car, then the owner claims the accident never happened, then their portal was unable to accept freaking video files of the accident... After a lot of digging on our end, we found out that the other driver has the same insurance as us. Suddenly it seemed all the delays, denials and fuckups were intentional, since they would have the both driver and vehicle info in house.
I got hit by a car once and their insurance paid for everything. Even little stuff like a bottle of Tylenol I bought a week later. I imagine they were fine with that since my injuries weren't really that bad and their driver was very much in the wrong.
Doesn't help if they have no insurance.
Can you self-insure?