Insurance is the biggest racket going. I hate friggin insurance companies. I think if you own anything that needs to be insured, you are paying for the aftermath of 9/11 or some hurricane from 10 years ago or some wildfire/volcano/tornado from the past. I'd like to see the actuarial tables they used to generate some of the rates they charge. Like I learned a long time ago studying mathematics: "There are lies, damned lies, and statistics". I think you should have to get an IQ test when you renew your license. I'm sure that stupid people account for much higher risk than smart people.
