David Combs wrote:
My wife tells me that if we ever have a claim,
it will be almost impossible to get paid ok.

snip

QUESTION: are *all* the insurance companies horrible,
or are there some that are better than others?

My parents had a claim when their house was broken into. No problems on
the claim. Multiple thousands of dollars.

I had a claim when my bicycle was stolen, and a couple of claims through
my credit card on extended warrenty issues. No problems. Claims were
worth a couple thousand dollars.

So...my personal experience is that I haven't had any problems with
insurance paying out. The above were through a number of different
insurance agencies.

Things may be different in other places however.

Chris