[camle]

so... why pay the 25 annual fee when you can get the service whenever you need it?

granted that you'll pay a lot more than the 25, but you're playing the odds that you'll never need the service anyway. kinda like not getting a flu shot and chancing that you'll not catch the flu. fi you do catch the flu can you really demand the shot after the fact and pay extra?

we have a guy in CT who runs a gravel company. he cut corners a while back by registering his trucks, then cancelling the insurance. Then one of his trucks caused a multi-car collision, and killed a bunch of people. As soon as he found out about the crash he called the insurance company and tried to get the service. wanna guess what they told him?

[evolved_rage]

I send you two notices:

1.)Please pay $25 or else we can't guarantee service (notwithstanding the fact that they did temporarily provide service for free and they must always protect the most ungrateful lives)

or

2.)Please pay $25 or else if we deem that you require service or you call us, you may have to pay upwards of $5,000 with a potential attachment to compensate for the expense......

I'm guessing option 2 will have a higher turnout than the current option 1 does now. But I think we differ on our perception of how consumers will behave.

I'm not trying to write the full policy, but I'd like people who stress the system through negligence, ought to pay for it.