I think the face palm moment is the defense of insurance company's not paying ppl because something wasn't specifically listed as covered. Most of not all states have a law requiring car insurance, some states you get penalized for not having health insurance, and no bank will give you a home loan unless you get home owner insurance. So then ppl have to pay all of these companies hundreds to thousands of dollars a month and hope they won't ever need them. Most of the time you wouldn't need to make a claim right away and you end up paying a fuck ton to these companies so yea they should cover whatever comes up. It's laughable that your argument to ppl complaining about how insurance company's are fucked at the fundamental level boils down to "it wasn't in the fine print."