Comment to me from an independent insurance agent who once worked for a major national insurer: "The insurance companies are the closest thing to the mafia we have in the USA."

In addition to all the above comments about health insurance and having fought post Katrina battles with both home owners and FEMA based flood insurance from the same company and knowing what many of my friends have gone through and the battles still being fought, my impression is that all insurance operates under the same rules as the Red Queen in Alice's Wonderland.

Malka,
another guest at the Mad Hatter's tea party