I think they should wait until you have an andciect that is your fault and then let you pay it off by the month. The good drivers lose money by buying auto insurance.You paid 900$ for liability insurance and that has turned out to be a bad decision. It is the same as if someone did 900$ damage to your car and you have no way to recover your losses. And you will probably be losing money year after year for the next 50 years. Why don’t they wait until you have an andciect.??? I agree with you.