
<sarcasm on>You don't possibly think that an insurance company is in the business of making pay-outs on its policies do you? How do you expect them to make record profits? It's their business to take people's premiums and, above all else, try to keep from paying out on them. I mean, it's business, right?<sarcasm off>
Insurance companies insure against risk, and the biggest risk is doing business with insurance companies, which they don't insure against.
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