Which is exactly why I did buy the extended warranty on my car and do have uninsured AND enhanced underinsured motorist coverage on my policy. I cannot afford to lose a $35+K car... I can afford to stomach the loss on a TV or computer or one tire once every ten years at best... I pick and choose my warranty and insurance coverages on everything it is offered on carefully. Expensive car? Yes. Inespensive TV? No.kind of. The stakes are much higher monetarily with insurance. I can cover a $2000 repair if I lose the GMEPP gamble. I can’t afford to lose a $35k car straight up.