&gt;&gt; &quot;...pay out when the driver is to blame...&quot;<p>That&#x27;s what auto insurance marketing says, and sometimes it even works that way. But a key part of the business model is to take your money for years, and then when you do have to submit a claim, they welsh on a technicality.<p>&quot;Your vehicle is licensed in Seattle, but our records show you spent more than 50% of your time in California this year, therefore your coverage is retroactively void even though we took your money for 11 months.&quot;<p>If you actually read the giant auto insurance contract you signed, it is full of this and other similar loopholes, which are quite deliberately inserted to allow the insurer to manipulate the magnitude of its payouts.