It is so legalized protection schemes. I pay as much in insurance each year as I once made gross in a year. It continues to get more and more expensive. I recently learned how insurance companies treat good customers who require them to spend a little money.
I did not realize if a deer jumps out in front of me and I hit it and total my car the insurance company considers that an act of God and will pay me to replace my car. If a deer jumps out in front of me and I react and take out 100 feet of fence then I am considered liable for the fence in their eyes. My daughter was driving down the interstate with traffic travelling at about 70 MPH and there was suddenly a tractot trailer tire in the middle of her lane with nowhere for her to go except hit it. She totalled her car but the insurance company considers her liable.
I did not realize if a deer jumps out in front of me and I hit it and total my car the insurance company considers that an act of God and will pay me to replace my car. If a deer jumps out in front of me and I react and take out 100 feet of fence then I am considered liable for the fence in their eyes. My daughter was driving down the interstate with traffic travelling at about 70 MPH and there was suddenly a tractot trailer tire in the middle of her lane with nowhere for her to go except hit it. She totalled her car but the insurance company considers her liable.
