Quote:
i don't think you can ever take on an insurance company without getting ripped a new one without some backup.

<mini-rant>
This is something that pisses me off about the whole insurance thing -- here we are, piddling into the pot, on the off chance that we *might* need to dip into the fund at some point in the future (but statistically not likely, given we all know that the system is gamed by the insurance folks to ensure they make a profit). but when people actually need that service that they've been paying for, do they want to play fair? Noooooo... they scream and claw and fight from paying any money. Gah. I hate insurance.
</mini-rant>