Yea, I’ve been robbed twice in the last year (one car break in and a bike theft) and we didn’t even bother to report it. I don’t want to lose my insurance! I need to save it for something bigger.
I completely agree with your sentiment but it makes me wonder why we pay for insurance at all. It's a complete scam.
Pay money monthly to a company "in case" something bad happens.
Then when you need to collect, you are treated like a criminal and they will do everything they can to avoid paying you. Your comment hits the nail on the head... you are paying for something yet afraid to use it because "what if something else worse happens". You need insurance insurance now.
They are not in the business of paying claims. They are in the business of tricking people into monthly premiums so they can deny their claims. If they can deny more claims than they fulfill I bet it's very lucrative.
Insurance is (morally) the worst industry ever. It is a product built on a lie. You wonder why people have no trust in corporations. This is why.
