Insurance

[dukealien]

Auto insurance is the bane of my existence.   All the I've paid I probably could fix all the cars I've ever driven and bought a new car, and instead of fixing my bumper a year ago, they raised my rates.  But, it's the law

Mortgage insurance was the law, too... but the law didn't mind if all the cat boxes were emptied into a few larger cat boxes, and the final tranche of enormous cat boxes contained very little kitty litter but were nevertheless full and sold on as if their contents were still kitty litter.  Law starts out to prevent fraud, and instead (unless carefully watched by those with something to lose) becomes the fraud.  (Condolences on your bumper.)