So yeah, some asshats decided to shatter my rear window in my car last night while I was at the mall.  thats a nice $400 bill that I'm stuck with since it is less than my $500 deductable, my insurance company is pretty much telling me that its all on me.  At least with my HEALTH insurance, I get discounts even if it isn't truly a covered item.  Auto insurance is the biggest racket of all time.  The rep even told me that I would pay MORE mentioning them to the auto glass place than if I just went and did it all on my own.  Oh, and apparently if I change my address, I owe them more money, and they wonder why I don't have a current address on file.