You know, insurance generally is a major pain in the
posterior. Between my troubles with health insurance,
house insurance, insurance for 2 cars and the motorcycle and now the condo we bought, you are talking a pile of money. I rented a car recently
(rarely do that) and I declined any coverage even though my personal policy only covers liability. Thus,
any physical damage would have come out of my pocket.
It was only about $50.00 extra, but I am so tired of paying premiums that I took my chances. I was nervous as a whore in church until I turned the car
back in.

John Galt