Sounds like you either need a new insurance company, or the insurance system needs to stop raping America.

This is just like the professional negligence insurance problem...i.e. "malpractice" insurance...it's not the fault of those who get injured that it's so expensive, or their attorneys...it's the fault of the insurance companies that most seem to let charge whatever they want without complaining to those who are doing the overcharging...the insurance companies.

Fish on...

Todd