Just Like health insurance, its a scam and we all get ripped off enormously. I've never heard of anyone who has had a legitimate claim helped by their insurer. They've always had to chase them, fight them and fight them to pay out and do the damn job they have been paying for.
It's a rip off and joke, with the parent companies making billions in profit while refusing to pay people out their dues after fires, floods and accidents, or taking the longest possible time to do the barest basic service.
Its infuriating that it is a service that is more or less necessary (especially health) but is getting too expensive to afford and especially for what tiny "benefit" it provides.
Looking For: Wreckers Saga TPB Collection (with Requiem)