Car insurance? Try crop or Semi insurance. Check this out. It flooded everything last year, and the feds told us to file and let it lie fallow. We did. Once June 23 came around, you were allowed to do whatever you wanted with it. We rolled the dice and planted short maturity beans and even with some hail, had a crop. If the hail had been worse, or an early freeze, we wouldn't had zip for insurance. This is where it gets good. This clown with a political agenda voids our insurance claim because he doesn't like my Lawyer uncle and my brother went off on him supposedly. It's OK to spend 3 billion a week in Iraq but not pay a farmer his insurance, which isn't cheap. So there is 185K in limbo, and the bastard again states that it was not flood damaged. Then why were we approved in the first place? Now it's in extended litigation for a year now, and even when if/when we get a settlement, we will have to pay this fancy lawyer 60k or 1/3 of the settlement. So everything had to be juggled financially. There was no deception whatsoever. The appraiser came out and declared it flooded and we were told that if we wanted to risk planting very late beans, it was our risk. Then this mini-me pulls the rug out from under us. The Federal Appraiser signed the papers but the local prick vetoed them. All he had to do was sign the insurance papers. We took ALL the risk by planing very late with beans that would not yield like long maturity beans, risked the typical dry months, early freeze, no insurance, but because we scrambled at 12:01 after the dead line passes and managed a crop, there as no flood damage. We might of been able to plant at the most 10 days earlier in certain ground.
Meanwhile Bob has his eye on that unused kickass FEMA trailer from Katrina. This is all a true story, and it's still in litigation almost a year later.