[jalisco555]

If insurors are such "slimeballs", why aren't you self-insuring?

While I don't agree with the slimeball characterization the reality is that we have no choice but to get insurance. No bank will write a mortgage to people who don't have homeowner's insurance and most states (I think) require drivers to be insured as well.

[laotzu]

..we have no choice but to get insurance. No bank will write a mortgage to people who don't have homeowner's insurance and most states (I think) require drivers to be insured as well.

Oh...yes; you do indeed have a choice.

You don't have to get someone else to pay for your house. Thank goodness there are banks willing to do so, but; that is their, and your choice.

As for auto insurance; the state requires that you provide evidence of financial liability/responsibility. There are several ways in which you can satisfy this necessary requirement that do not involve any insurance company.

Whether or not you pass your risk off onto an insurance company is, again, your choice.

[goldstategop]

Unless you can self-insurance for the value of the property, yes, you need to get insurance. The bank will refuse to write a loan if you don't. As for auto insurance, most states require you to carry a minimum liability policy. If you really can't afford the insurance, stop driving a car.

"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