I don't know what companies some of you guys have, but I'm guesing some of them are those $hitty ones. I'm guessing the ones that takes for ever to get your claim thru them if you get hit by one of their clients.
Been there trying to get my old lady car fix with those insurance companies. Low premium, high deductible = company doesn't have the money to pay a claim on time. Have to go thru hell and high water!