Thoughts on Insurance

I wish we had the option of choosing different insurance companies here, but we have no choice for auto insurance.  We have to use the Insurance Corporation of British Columbia (ICBC), so when there is a crash both parties have the same insurance company and they don't fight for either side.  I must say though that they are equal opportunity people there... they screw both parties without bias.  For house insurance we have a choice of private insurance companies, and if we want to put extra insurance on our vehicles above what we get at ICBC, we can do that through private companies, but the basics must go through ICBC.  In North Carolina, there is Blue Cross Blue Shield North Carolina and I'm sure there are many other companies throughout the US and Canada, even other countries.  I hope they are all more fair with their payouts than ICBC is.