👉 Direct car insurance means that you can get your car repaired at a great price, because the company charges for repairs but doesn't pay for them out of their own pocket.
Example: If you have a broken down car and you need to go to the mechanic to fix it, you might ask for an extra charge to cover the cost. "Hey there, buddy! Can I come in today so we can get this broken-down car fixed? I'm only paying for the parts that they gave me, like the steering wheel and the engine." Direct car insurance is just a scam, because if you're not paying for repairs out of your own pocket, you don't have to worry about the costs.