Car insurance is relatively simple. I shop around, telling them how much coverage I want. They request my driving history, and give me a quote. At any time, I can shop around and change insurance policies without any problems. Once it’s time to collect payment, it’s a relatively simple matter. What makes health insurance so difficult, controlling, unreliable, and expensive? For example, with health insurance:
-
Can only shop during a specific enrollment period
-
Policies are so complex, the vast majority of the population can’t understand them
-
It’s commonly provided in part by the employer because buying a policy otherwise is prohibitively expensive
-
Insurance companies are notorious for denying payments
Might be your company, I’ve had 3 not at fault and 1 at fault accident and I’ve never had any issues with the insurance company paying out. In fact, my insurance has always been super chill about it, and the two not at faults that involved another driver both had the opposing insurance company tried to screw around to get out of paying.