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watbosoxlover12 said:this analogy is literally the worst i've heard in a long time
Better analogy is if two people get into a car accident and both cars are in a total loss
One dude has 20/40 coverage on his 2013 Acura MDX, the other has 250/500 on his 2015 BMW i8.
The second guy is well insured and isn't screwed over financially with his car getting crashed because his insurance will cover him.
The first guy has basically no insurance whatsoever, and it doesn't cover the entire loss. Dude's fucked and gonna cost him $10K+ out of pocket