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Usually customers don't pay any attention to how insurance works until they actually get a gist of what's happening. " I mean come on why should you worry if nothings wrong? How often do you see a huge natural disaster? Not very often." Insurance corporations basically save up for the rainy days because you never know when they may come about.
"Typical scenario: You tend to do illegal activity because you are behind schedule which leads to a car accident. Illegal activity of course being running a red light: its yellow and you speed up because you don't want to stop, stop sign running: not coming to a complete stop or just running it, and speeding: isn't gas expensive enough? Come on its Miami...
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