Good grief. Yes, the well known insurance-fraud through teenager-kegger scam. I guess you got 'em!
Well, I didn't seem to sound harsh, but I am sick of the skyrocketing insurance premiums I am forced to pay on my home and business -- and I've never even had a claim, except for wind damage 10 years ago.
Last year my homeowners' policy canceled me because of peeling paint (we are in the middle of refurbishing the house.) Dumbest thing I ever heard -- we'd been with the company for 19 years.
This year, all of my business insurance has been canceled, and my agent is out shopping for new policies. We've never even had a claim.
The insurance business has taken some major hits because of terrorism and 9/11; and we're all being forced to pay through the nose as a result. Negligent parents who turn their house over to a bunch of rowdies don't help. (And yes, I read that they were not home when this happened. They should have raised their son to be more responsible and to seek more civilized friends.)