What are we paying for when we buy car Insurance?



Does any one notice that we shell out thousands of dollars from our income for car insurance, and the insurance company gives us nothing back? Sure, if we get into a car accident, they cover the costs, but then they raise your rate. And you are paying far more than the cost of the accident anyway. And then if you don't get into an accident, what is all that money for? They don't give it back.



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SOURCE: http://www.insurelabs.com/forums/topic/what-are-we-paying-for-when-we-buy-car-insurance/