SO SAY WE ALL!! and if you DID ever need to make a claim or whatever, they'll fight you tooth and nail and be massive cunts trying to pay as little as possible leaving you wondering just why you've been paying them all these years... and still we all do it. With occasional exceptions, of course. That time I accidentally ran over all those illegal aliens the insurance covered my repairs with no hassle whatsoever. That seemed to have just been luck, though.