Quote:
Originally Posted by Mr. Sandman
My question is what about the YEARS AND YEARS of payments they had been receiving in which they had few losses?
INS companies suck and have been ripping us off for years whether it be healthcare, homeowners or auto. We are stuck with them 
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So using that logic, if you take a policy out and have a claim the first few years, the insurance comp. shouldn't have to pay your claim.
Your not stuck with them, if you think they are ripping you off, don't use any elective insurance.