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How did we get into this situation where our lives are so ruled by insurance companies? Will it ever be possible to extricate ourselves? Car? Let's see get rid of cars by developing better modes of public transport and housing scenarios. Health? Some form of "state insurance" (like where I live). Floods? Prevent homes being built in flood plains. But then earthquakes? I guess we all take risks. Insurance tries to assuage our fears about our future calamities. I guess in the old days, we all lived with them. In the old days, there probably wasn't a lot of court action going on as well. Maybe a little sharp shooter action.
I have had good and bad luck with insurance companies but recently they have come through when the chips were down. With medical insurance, I have a mixture of medical insurance and state benefit, so for my breast cancer treatment, follow-up doctor visits and further pills that I will be taking for a long while, I pay nothing. That's pretty darn good and I feel blessed. I worry about my son who will most probably make his life in the States. The best advice I can give: prepare for eventualities because they do come in various packages. They hit us all unless we get hit by a car first.
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