pay them and rarely or never use them and get nothing in return. When its time to use them they fight you tooth and nail and are a total pain and you typically still have to pay a high deductible to boot.

All insurance sucks (for those who dont file claims anyways). Health, life, home, car..... I never pay the insurance when i play blackjack. I never get insurance on tv's or appliances or whatever. Never get warranties either. If a company really wants you to buy the insurance/warranty then you have to use logic and realize that they want you to buy it because it is good for them, not you.

I never go to the doctor, haven't filed an auto insurance claim in like 30 years, never filed a home owners insurance claim.

If you added up all the money I have spent on insurance it would be a really high number. If you added up all I have received from insurance it would be an extremely tiny number.

Its a racket that the mob would be jealous of