Insurance- Why bother?
For example, in light of our recent burglary, mom went down to the insurance company we signed with to make a claim and get some money back. However, we didn't get a single cent back due to a $1,000 deductible that applies to each individual item stolen. Since none of the items stolen cost over $1,000, they didn't give us anything. What really stinks is that when we signed up for their program, they had a $500 deductible, which applied to the total cost of everything stolen. They basically jacked up their deductible, without notice to us.
Insurance companies do everything they can to not pay people.
As for Auto Insurance: www.ninjapirate.com/article/deadrat