Local rural Mexican restaurant. Nothing special. There's hundreds of similar places near me. But I know the staff at this place. I can order an amazing burrito and a good, generic margarita. It's my comfort food.
This is the really loud rat that slept in the wall right next to your head and pissed you off every night!
Now the ship is on fire. That loud, annoying rat is loudly abandoning ship. She may act dumb, but she's making some smart decisions (for her own preservation) right now.
I've watched NFL games for years. 2.5 minutes is engrained into my brain. Mute just before the fade out, and I just feel that the time has come where I can look at the screen again.
Insurance is for liability. To pay for the damages you do to someone else. What you're describing is full coverage.
Once you've paid off your vehicle, you may consider dropping down to liability only. Full coverage is convenient because they'll pay you when your vehicle is damaged, but the monthly payments will quickly far exceed the money you will recover if you get in an accident.
This is just an example of insurance companies making it more convenient to continue paying them extra money. In the end, insurance still isn't a utility, and it continues to be run by private, for-profit companies that will nickel and dime you at every corner.