Get involved in an accident where you need health benefits, income replacement, etc.. and then you will see what the biggest joke is!!
trust me im aware... my sister in law was in a pretty serious accident. 3 years later and shes still fighting with the insurance company for payment... still going to see quack doctors that are chosen by the insurance company who try and convince you that you are "fine"
all you get when buying insurance is a piece of paper that sais your legal for the road. Anything else good luck.
