I understand how insurance works, but you haven&#x27;t really addressed what I&#x27;m talking about, which is that <i>insurance companies</i> often don&#x27;t seem to understand how insurance works. You can&#x27;t expect to make a profit off of every account - it defeats the purpose of an insurance scheme altogether. If an insurance company raises the premiums on a person after they make a claim, or drops them from coverage, even when the nature of that claim does not raise their risk profile, then they&#x27;re doing it wrong.