For those of you stating you hate insurance companies. Why not just get rid of them if you HATE them soooo much? I think making a blanket statement about insurance companies is rediculous. I don't like the amount I need to pay for our insurance but I don't hate the insurance company. IMO, it's not their fault. I DO HATE PEOPLE PUTTING IN FALSE CLAIMS AND INSURANCE FRAUD. This is the root of the insurance problems. It does nothing but makes rates go higher, dropped coverage, and makes it harder to find/acquire insurance.