And you can talk till you're blue in the face and it's not going to change these facts.

My wife was in a motor vehicle accident FOUR years ago. Rear ended by an idiot high on drugs. Totalled her vehicle. He took out 2 other cars as well. She has suffered terribly since that day. Permanent disabilities. HER OWN insurance company has not coughed up ONE RED CENT!!!!!!! Liablity clearly on the other driver and Tort proceeding on him years away yet. But loss of wages (since she is unable to work).....bills she has incured go unpaid.......treatment for her injuries denied, or delayed to the point of her breaking down. BASTARDS....that's your insurance companies! The're in business to make money you say......Oh ya.....damn right they are....the more the merrier...that's all they're in it for. They can't wait to get their hands on your money....sending out premium contracts 2 months before the old one expires, with their hands out. But to service their clients when you need them, NO WAY! I've already guessed who you work for.