[NCCarrs]

You do pay, and have to keep paying higher premiums every year. My point is that if you "buy the product," the companies who sell you "the product," should pay what's promised!

I've bought many a premium willingly and under duress (Gov't mandates I buy auto insurance), and in 3/4 of cases where I've had to submit claims, I've received more grief for trying to collect what the policy said I was due. To resolve each to reasonable satisfaction, I've had to spend hours writing, calling and cajoling Ins Reps, for which I've had to forego more important activities, like work and spending time w/ family. I'm no liberal, only a customer who wants what he pays for WITHOUT super-secret clauses, riders, and other BS. I'm willing to except fact that Insurance is required to cover you against catastrophe; I want assure that when castrophe visits me or mine, I'll get what I've paid for on time over the course of owning the policy : - )

[massgopguy]

I had heard that the Germans were the largest underwriters in South Asia. They also have pledged a paltry amount towards disaster relief. I noticed that they got their ex-PM out of there fast enough. Did he want to get back in time to cancel their policies or was he in a compromising position.

[JohnnyZ]

My point is that if you "buy the product," the companies who sell you "the product," should pay what's promised!

You might need a company with better claims handling service. It's at least bad business practice and possibly illegal for a company to drag their feet on paying claims. But coverage will always be dependent on clauses and riders (endorsements), and believe me, they all have a purpose and are well-defined in common law. That's one reason policy language is as complex as it is -- it's already been interpreted by the courts, and if the wording were to be revised or simplified it could lead to a different (unintended) interpretation in a future lawsuit.