And if you ask me, they make their money by extorting use of their product and then changing the rules when the shit hits the fan. Then, if you DO make a claim, they raise your rates to cover their losses. I really do see it as the largest legal money grab in history. There is a reason that most large companies self-insure. It's faaar cheaper than paying someone else for insurance. Far smarter too, from what I've seen. At least they got back everything they put in.