I Believe… [Auto Insurance is a Scam]

…that the idea of insurance is a great one but the reality of getting your parked car hit by a drunk kid in his mom's truck with scam insurance and then having to negotiate the value of your car with your own insurance company that has determined the cosmetic damage is too costly to fix so fuck it, it's a total loss, we'll settle with you for a third of the resale value of the car is not so fucking great.