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I don't see the point of getting money when you die.
Insurance is a con. If you can afford to pay for a crashed car why do you need it?
Put it this way. Who insures the insurers? Say you're the owner of big insurance company and you buy a new car, do you get insurance? Who do you get insurance with, your own company or your competitor? Say you choose your own company, then you are paying $1000 per month into your own bank account. If you have a car crash you pay yourself $30K out of your own bank account. It's superfluous.
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