Think about it. If you own a car, insurance is one of a few products you are required by law to purchase. And it is also probably the only product, once purchased, you must avoid actually "using" as intended, lest you be punished. Your punishment will be either withdrawal of the product by the company ("You're Canceled"), increased premiums (We're Raising Your Rates"), or some other other industry devised reprisals ("We Will Be Auditing Your Claims" ; "We Are Placing You Into A Special Risk Category"; "Don't Even THINK About It").
What makes this so frustrating is that my hubby spent over a week doing a very difficult, backbreaking clean-up job for a customer. It involved over 30 dump runs - 16 tons - of trash and debris left on a property.
The probable suspect denies fault and there were no witnesses. So Leon called our insurance agent at State Farm. Now, we've always felt that State Farm is one of the better companies out there. But he was told that because we had another claim within the past year (when my Mazda got totaled) it would be prudent to pay out of pocket for the repair, unless it is $1,000 or more.
And I haven't even mentioned HEALTH INSURANCE.