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[–] AngryInVirginia ago 

I have not had a problem with insurance. You are correct about the prices but you may be incorrect about why the prices are the way that they are. Many of my peers seem to make this same mistake and it is a daily annoyance to me. I am tired of hearing them complain about the price of this or that back when we were younger but they will but a new computer or a new TV for a couple hundred dollars and not make a sound. I think that you will notice that it is not the parts that cost so much, it is the labor and overhead to have those parts installed. This goes for cars as well as houses.

Ever insurance claim that I have ever made in life has ended with cash in my hand. If I got into an automobile accident I would get an estimate from the dealership for the repair, my insurance company would cut me a check for the total of that estimate, I would purchase the parts and repair the vehicle myself, and then end up with extra cash in my hand that would usually be more than enough to cover the deductible. I have had similar experiences with homeowners insurance where I would operate as my own general contractor for any repairs and get not just reimbursed for the repairs but also a certain percentage of mandatory profit for the repairs.

I may just be one of the few lucky or unlucky sons of bitches who actually happened to have enough valid insurance claims that I have, over the course of my lifetime, received more money back than I have put in.