I'm not sure the article says it had full insurance. The driver is only required to have liability, which insures damage to others property, but not your own. And in some places even that's not required if you can put up a bond on lieu of insurance.
Unless the brand new car was purchased in cash, and the owner had very poor judgment, it was financed and the financing terms typically require comprehensive coverage.
Comments
I'm not sure the article says it had full insurance. The driver is only required to have liability, which insures damage to others property, but not your own. And in some places even that's not required if you can put up a bond on lieu of insurance.
Unless the brand new car was purchased in cash, and the owner had very poor judgment, it was financed and the financing terms typically require comprehensive coverage.