Connie and I decided last Fall to just drop State Farm for home owner's insurance. With the high deductible we would have to pay for hurricane damages, then quite likely have to take them to court to collect, and then the likely possibility that State Farm Insurance of Florida would just declare bankruptcy anyway, we just said screw it and dropped THEM.
Of course, they raised the premiums on all our vehicles, so quite likely we will be making a change there as well. But probably only for liability coverage. To hell with the rest of that garbage.
Hell, the world got along just fine without insurance years ago. They just have everyone hip deep in fear and even made their product a REQUIREMENT in certain instances, that they feel they can walk on water.
Just like health insurance MADE medical issues so damned expensive, quite likely auto insurance made auto repairs follow the same path. Any time you hide the actual expenses from the end consumer via a third party, prices will ALWAYS spiral upwards quickly. Such a system completely removes the natural controls of a public that will control such expenses with their choices of buying the product or not. Health insurance, unfortunately, reach the gold ring (in the eyes of those companies) by making the services they offer pretty much impossible for most people to be able to afford without them.
__________________
|