Insurance

So a few events in my life have started coming together to form another opinion. I saw a movie that poses as a documentary "Darwin Awards". It is not exactly a statement against insurance companies though it does express some dislike for the business. Whether you have had good or bad experiences with insurance you can all agree that it is expensive and rarely worth the cost. When my house was robbed as well as when The Mad Monkey was robbed, I had to file an insurance claim. In both cases the insurance did not cover what was taken, what was supposedly covered by the insurance that I had been paying for. Both left a bad taste for insurance. Several years ago a friend broke his arm and I brought him to the specialist to have xrays and to get a cast. After the 35-40 minute visit to the doctor he was given a bill to pay as he didnt have insurance........2000+ friggin dollars. After informing the doctor of his situation, the bill was magically reduced to 385 dollars. We were informed that insurance companies only pay a percentage of bills. And most recently I have been dealing with an insurance company over illegal cutting of trees on my property. I met the claim adjuster at my home. During the conversation he said "It is a nice day. I am glad to escape the cubicle farm for the afternoon. 26 years in insurance and I get to spend my days in a cubicle. The business has really changed in the past decade, and not for the better." These things have lead me to the inevitable conclusion that insurance is fraud. The term insurance fraud has been pinned to the recipient of the money, but has yet been used to describe CEOs or companies peddling this intangeable to the people least likely to need or use it. So the next time you send in your payment, know that when you need them they wont be there to help you. They will however question your motive for filing the claim, flat out refuse to pay what is right and just, fill your days with endless phone tag, and all the while be typing up a form letter that 100% of their "customers" will receive regarding the 20% increase in premium due to the increased cost of providing that necessary evil.