Insurance is like a big hole in the ground that you throw money in and get nothing out. When super storm Sandy hit the insurance companies had a heart attack. They screwed over most if not all of their claims. I sometimes think you have better odds at a roulette table than paying insurance companies. If i invest the money i spend on insurance for 30 years at least i get to keep it. I'm not advocating the government should take over but should some how oversee how they operate. What's the percentage of fairly reimbursed claims vs the people getting screwed? By the number of insurance commercials i see it explains who it's working out for.
linky