Insurance is a Scam

I hate to be master of the obvious here, but insurance is the biggest scam in the great US of A. So the wife gets in a wreck and its the other guys fault. Well the other guy says that it is her fault. Problem is he is insured with Insurance Depot and they are a real joke. So we have to file with State Farm. So let me get this straight I have paid them around $190 a month for the last 76 months and now I have to pay the body shop $500. This sucks! Anyways hope everyone is ok out there. Talk to you later.