[lucysmom]

Insurance companies accept risk.

Right. They accept risk just as a liberal accepts reponsibility. When its time to pay the piper, they look for any concievable way out.

[goldstategop]

More accurately, insurance is about risk AVOIDANCE. The fewer claims they have to pay out, the better it is for insurance companies' bottom line. People carry insurance to avoid either a catastrophic loss or shield themselves against lawsuit liability. You may be the most careful person in the world but you can't control what other people around you do.

"Show me just what Mohammed brought that was new, and there you will find things only evil and inhuman, such as his command to spread by the sword the faith he preached." -Manuel II Paleologus