Or just failing to make a profit for them. Lol at the idea of ACA expanded to all insurances. No denial of coverage for pre existing conditions/claims. Be a nightmare with some of those compulsive minor fender bender folk I see out there with all 4 corners with clearly independant looking impacts out there.
On a semi related note. How does comprehensive coverage affect pretty decent scratches. Not like a mega deep angry keying, but my truck day 2 on wedding trip got scraped by an asshole or an idiot with a big sideways Y where they brushed by the tailgate. Already picked up a few other little nicks that I'd like fixed.
Also think I might have to work nights again, even in a truck, getting sick of lately the amount of golf ball + sized rocks getting thrown into my windshield in my hour commutes on i25. (Daytime traveling during more traffic hours than when I'm getting off/on at like 5am or 9 at night.)