Seriously? You are that short sighted to see the difference? Insurance on VEHICLES is required because A) it is the law, and 2) it covers hospital/medical bills. Who would pay for that if insurance on vehicles was simply optional? An accident happens involving a computer, lives aren't put at risk. You don't need to call an ambulance, detour traffic, risk lives to save lives, see dismembered humans/victims, etc when there's an accident with a computer.
near sighted not short sited.
So I pay $2000 for a computer and I purchase a plan for $249 to fully cover it for 4 years (how much is apple care?) and I use it due to an incident and I pay nothing.
Here the OP has an issue with an internal device failing and because there is external damage, they will have to pay for it out of pocket. how much?
With the cosmetic damage by the drive, I really don't think Apple will be offering a free fix if that should fail.
Car insurance to me is two fold. If I cause damage or if someone causes I am covered for the most part, more so than if I don't have any insurance.
In todays sue happy culture I would not want to be caught without insurance. How much do you think someone will sue you for if you should be involved in an accident which causes dismemberment or God forbid death?
I can't stand paying for car insurance but I think not having carries a little more risk. For my laptop its more of a convenience and protection to my wallet For example the blu-ray drive, keyboard, ram and hard drive were destroyed by the cup of coffee. I am not sure what the out of pocket expense would have been but I am sure it would have been more than $249.
Laptops are exposed to so may different environments where others can have an impact on its wel being. The accidental drop while moving it, a passer byer tripping and accidentally spilling their coffee on it, or slipping on ice and not able to overcome the effects of gravity its nice to know the machine will be fixed.