Carl said:Insurance companys fraud people enough..
How exactly have you come to that conclusion?
An insurance company like any other company is there to make money.
They don't "fraud people" they attempt to not pay out - in the same way that if I was involved in a car accident that was 100% my fault I must not admit to being at fault.
If you are insured correctly for an item then you don't have any problem at all with insurance company's.
The only people who seem to have issue or problems with insurance company's are those people who either aren't correctly insured, are trying to pull a fast one or haven't read all of the small print (or normal size print) before signing documents.
However when people blatently go out of their way to defraud insurance company's guess who lose out?
Everyone - because they can no longer take your word or trust you that what you are claiming for is legitimate.