"Judah" wrote in message
...
No - the point is that every dollar you spend on coverage that you never
use is wasted, and any accident that costs more than your coverage means
that all of your dollars are wasted.

Sorry. I've gotten very cynical about the whole insurance and legal system
in this country. It's a big beef of mine.

Maybe if you understood it better...or, maybe if you understood it at all!!
(based on remarks above)