Agreed. But it's not just a deductible. It's potentially the loss of use of the vehicle, it's the depreciated value of your car if it's repairable or the loss of transportation if it's not. Plus, there often are injuries and yes you can get compensated for those but really, money is an insufficient replacement for health. Winter tires are a cheap form of life/health insurance. $2K to help keep me and mine safe? Bargain.