How come you hear lots of great information about buying insurance, how wonderful it is and how necessary it is, but you rarely hear anything about collecting insurance when you need it. When you do hear about collecting on insurance there's always information about how it takes a long time to get paid, the massive amounts of paper work and law suits to collect. Wake up America. Insurance is a one way street. You can buy, but you can't collect, at least without a lot of difficultly. I'm sure the insurance industry banks on people who don't want the hassle of going through the collection process.

The thing that amazes me is that people have legislated mandatory insurance. Insurance is mandatory for driving, sometimes for getting a loan, and now health insurance. What happened to the values our forefathers worked and died for. Is America selling it's freedom to insurance companies? Heck the home loan credit default fiasco is directly tied to insurance practices.

People must earn what the have. It was never easy. There's 'no free lunch' as they say in economics. Insurance provides a safety shortcut that is its own form of the free lunch principal. Do what you want, buy what you will and don't worry about it. If anything goes wrong you can just collect the insurance. Why worry? Take shortcuts. I'm wondering what this does to quality of workmanship? Wouldn't we work harder to make sure there are fewer mistakes if we didn't have insurance? Insurance is a subtle form of usury that ultimately is detrimental to free enterprise.