Myself I think insurance is a rip off in general. I think back on the outrageous premiums paid for auto insurance for all those years and WOW I could buy a very nice sports car with all that money...since I have never filed a claim.

Yep. A big ripoff. Especially when you don't file a claim. They
should have it so that you don't pay any premiums in the years you don't
have claims. Then, if you have an accident, you can pay the $300
insurance policy after the fact, and be covered for the accident. That
way, you don't pay for insurance you don't use (keeping those mooching
insurance companies from making huge profits at your expense), and you
are covered when you do need it.

The only downside I see with this kind of policy is that the insurance
limits would be no greater than the insurance premiums, but that's just
a minor issue that I'm sure can be easily fixed with a ballpoint pen.

Jose
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