to all: It's nice to see different opinions and facts brought up here. I have a lot to learn about the risk and insurance industry and its great to read your thoughts. Agent007: I grew up 'on the left' and in the last year I've shifted rather quickly towards the right. This shift is partly a reactio...

Agent007 is correct that "today's insurance is an evolution of two things: 1) Lawsuit abuse & 2) Fraud". I also agree that many exclusions serve to keep premiums somewhat affordable. However, it isn't fair to call RKunz2 an idiot for questioning the denial of an alleged viable claim. W...