Kirby pays an annual premium of $925 for automobile insurance, including comprehensive coverage of up to $250,000. He pays this premium for 5 years without needing to file a single claim. Then he gets into an accident during bad weather, for which no one is at fault. Kirby is not injured, but his car valued at $17,800 is totaled. His insurance company pays the claim and Kirby replaces his car. If he did not have automobile insurance, how much more would have Kirby paid for damages than what he had invested in his insurance policy?

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