This is something thats always bothered me..... You're forced by law to have it, thereby forced to pay ungodly amounts each month for it, and if you ever file a claim, this is the only insurance I know of that actually has loopholes to get out of paying what they should and punishes you if you ever need it (with rate increases, cancelling you, other companies denying you, points against your driving record even when the accident was no fault of yours,etc).... Health insurance doesn't challenge your claims or go up each time you go to the Dr or fill a Rx that I'm aware of, if a health insurance company tried that you could probably have an instant lawsuit; so why does the auto insurance industry get away it? (Don't say because of all the payouts they make, just look at their main offices - they are ALL mansions or skyscrapers!)
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