explain to me the "downside" of being able to walk away from an accident and all you have to do is give a story. You don't have to pay anything, face no penalties, all you did was paid $16 before hand,

vs saying "no that's a rip off" getting into an accident, having to pay a deductible out of your pocket, going through insurance agents, having penalties on your record, because you thought it was a ripoff ?