All insurance is BS. I still have to pay $150 with insurance every week until i meet my deductible which my insurance just restarted and I'm almost halfway there already. It's so f'd up that when some actually who needs help finally finds the strength and courage they are abused and manipulated by the system. F the system down with government! They are of no help to us in the US and from what I've read of other countries it's even worse and harder for MI help.the government is full of nothing but criminals white collar felons who get away with everything from embezzlement to rape to probably even murder. We're all screwed.