So little respect for people's stuff....

krazykuda said
Not always true...

If you car has value, you should carry collision...

My mil just got into an accident and totalled her car... It was paid off so they only had liability... Now they have to eat the damages as it was her fault...

The value of her car is $11,500 and they are now out that money and have to buy another car out of their own pocket...
Click to expand...
I made the calculation a few years ago when we paid off the charger
I think the difference between full coverage and PLPD was 15 bucks a month...that meant I can pay the extra premium for 55 years before it would have been cheaper to outright buy a new $10k car (and that is of course going on the assumption that the car will get totalled at some point)