so say he's been driving 10years.
pays $1500k each year, he's paid the insurance company 15k never made a claim......
then, has an accident and cops in on the chin? screw the insurance company!
they are the bad guys (unless he makes a claim like every 2years)
If your a shit driver drive on the track or the road, your still gonna have an accident.
dont cry to this guy about insurance, cry to your insurance company they are the one reaping the profits while premiums still rise