Glad to know you think of my intelligence so uncharitably that you have to explain a tautological definition.
I know that insurance only covers the insured. I charitably assumed the reading audience of HN knows that, too. Is there something more insightful you wanted to share? For example: have a conversation on the general risks of taking insurance versus not, or whether in these particular anecdotes the owners in fact did/didn't have insurance and their reasons for it? Or was it really just to try to make me look like a dumbass to the crowd?
I know that insurance only covers the insured. I charitably assumed the reading audience of HN knows that, too. Is there something more insightful you wanted to share? For example: have a conversation on the general risks of taking insurance versus not, or whether in these particular anecdotes the owners in fact did/didn't have insurance and their reasons for it? Or was it really just to try to make me look like a dumbass to the crowd?