> The insurer did negotiate the price down - from $20,000, so a 20% discount. I've just got to point out that they're adding back 20% -- to keep in "reserve,"

> The insurer did negotiate the price down - from $20,000, so a 20% discount. I've just got to point out that they're adding back 20% -- to keep in "reserve," as you say. So what's the advantage of insurance? The "premiums" force the scam pricing on everyone! (And not just the direct victims of this type of fraud.)