Insurance premiums are calculated by the average cost of liabilities. If I were to create a car that costs a few trillions, would it force all insurances to rise their premiums in case anyone hits me?

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[–] 3 points 6 days ago

Well, you're not risking financial ruin, you should educate yourself enough to understand what you're buying so that insurance can make you "whole" again after an accident. Unfortunately the real world doesn't work that way, so you sort of over prepare I guess to compensate for those less informed.

The costs of increasing your coverages is pretty negligible, honestly.

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