[calex59]

Yep, the ideal situation for insurance companies would be to take in all premiums and never pay out on a claim, which begs the question:Why have insurance at all if you can't use it without being cancelled?

I asked an insurance agent that once and he said "peace of mind." I didn't ask him how you could have peace of mind if using your insurance was going to cause you to lose it!

[spetznaz]

LOL. Wow. I am amazed at his honesty.

[Cincinatus' Wife]

I know.

A lot of people think twice about filing because it will raise their premiums. Then, when that "peace of mind" event comes along, you're canceled.

[Issaquahking]

That's about it too. I had Allstate for 18 years. Got hit in Denver in my truck by a (most likely illegal alien) van that ran a red light (after the hit, they drove three blocks and fled). It was my first recordable accident to Allstate. Because I failed to chase down the the culprits. I paid their ridiculous jack up till I could switch companies - then dropped them for being a sorry P.O.S..

Wonder if State-farm will jack me around if I ever have to get in the battle ring with my insurer?

[beef]

I always go with the highest possible deductibles. When I file a claim, I want it to be a doozie.