Insurance is shifting the risk to someone or something that is more likely to be able to handle the catastrophic event. People often insure their life through life insurance, their income through disability insurance, their business through business overhead insurance, etc.
With all the money and business in the auto insurance industry, you would think stellar customer service and clear terms and rates would be industry standard, but this isn’t the case. The fact is, many businesses are looking to nickel and dime you, and some aren’t even very nice about how they go about it. Plenty of people are mistreated and ripped off by their insurance providers. Instead of putting up with this sort of business behavior, put your foot down and take your business elsewhere. You wouldn’t want to be another person on the long list of auto insurance horror stories. [...]