The problem is that the deductible on insurance claims makes it not worth filing, especially if it drives up your future premiums. I know lots of people who exp

The problem is that the deductible on insurance claims makes it not worth filing, especially if it drives up your future premiums. I know lots of people who experience package thefts and bike thefts and car breakins who don’t bother reporting anything. It’s anecdotal, sure, but the logic checks out and where the anecdotal real life observations are so different from the claimed data (just look around you and see increased blight in west coast cities), something seems wrong with the data.