Ask her why your premium should pay for her new car when her previous one is stolen, seeing as you never made a motor claim in your life.
They just don’t get it, do they? See my comment on the thread about the Alabama rep who needs to be educated about the concept of insurance and what it really means.
You know, as a European, I’m beginning to suspect that many Americans, if they had it properly explained to them, would consider insurance to be much the same as socialism or communism. Damn those commie insurers!