[jbcjr14]

Once again, its the fraud and uninsured motorists that cause insurance premiums to be where they are. In regards to paying claims, I don't know many insurance companies that do not pay what they owe according to the policy language - Hence the bigger problem, people don't understand what their policy covers and does not cover. Its easy for the lay insurance person to just say insurance companies don't pay, but think about it for a minute if it was your money at risk and you had a policy that says we will NOT pay for x loss, would you pay it?????

Now I am not saying there aren't crooked people in the insurance industry because there are but in general it is highly regulated and claims practices are scrutinized by the regulatory authorities. When I worked on the company level we drove home the idea that the AGENT selling the insurance MUST tell his/her policyholders what is covered and/or not covered to alleviate any problems in the claims process. I have a good agent that does that, you may need to find one as well!