the point is that every dollar you spend on coverage that you never
use is wasted,


So is every moment you spend on preflight when you don't find anything wrong.


and any accident that costs more than your coverage means
that all of your dollars are wasted


No, though you may end up paying the difference, you don't end up paying the
whole thing. So in that case all of your dollars went to your benefit.

Insurance isn't magic.

Jose

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