Whenever I'm forced to buy insurance I feel like I'm getting scammed. The sales department / agent will say anything to get you to pay the premium. And the claims department will do anything to avoid paying any money out. Like you need a whole separate legal team just to get a claim paid.
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Plus yes, it is the insurance company that is forcing me to figure out how to make a phone call. Maybe I should just ask the agent if she has Signal or WhatsApp installed.