Comment: The insurance companies always win

(See in situ)

In reply to comment: I look at it this way. They (see in situ)

The insurance companies always win

When they don't you pay!
In 1984 I was hit head-on by a car that came over the center median on I-95 in Southern CT.
I was in the far right lane of 4 lanes on my side. I was traveling below the speed limit because I was slowing down for a car that had caught fire on my right - in the break down lane.
The perps came over the center and totaled my new car.
A week later MY INSURANCE company dropped me!
They had to pay because the other driver was uninsured.
So I lose all the cash I put down on a new car, the car loan gets paid off, I have no car and no car insurance. I was pissed.