People have no idea how bad “insurance policies” are. Some years ago I was in a bad accident and spent three months in the hospital. After I got home I received a hospital bill for $287,000 ($402,000 in 2012 dollars). They wanted every dime back because it had been injury from an accident caused by someone else.
I thought my insurance was pretty good, until this year. Suddenly they cannot tell me what my coverage is. They say the book they sent is the wrong one. They tell me something different every time I call. It’s stunning.