the 10 worst insurance companies

I've known this for years.

The way I look at it, you have two options-

1- pay as little as you can get away with (including the highest deductible), be carefull and aware of your surroundings, don't make claims just because you think you'll get money, fix your own small damages out of pocket, and pray you never get into a situation that might mean a six figure damege claim against you, or-

2- pay the most you can afford to (or any ammount above the minimum), and follow all the other steps as outlined above.

There's a TV lawyer around here that advises viewers to "purchase the most ammount of insurance you can afford". Hmmmm, I wonder why he does that?