In what world does a broken window total a car? While we're at it, in what world does your insurance premium not increase drastically after you collect on a claim? Your math is incredible flawed?
My example implies that some cars will be broken into for items that are in it while other cars will be taken by the assailant, the $30,000 example is for visual purposes. Do you expect all cars that are left open or broken into, to be just for a 'car stereo'? Do you expect all assailants to go to court and incurring the judicial cost I listed?
"As an example, while a simple automobile case may resolve quickly after case initiation and incur less than $10,000 in fees, the total costs of such a case can also exceed $100,000 per side if the case goes to trial." - IAALS.Du.EDU
