Do the insurance companies rake people over the coals there? It pretty much is a scam in America, car insurance. Just another corporate tax on peoples lives, enforced by the government. 100 dollars a month for our car insurance, not a fun expense at all.
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Actually car insurance is cheap here and unrelated to the person. It's based on the size of the car / engine, etc, and for me, cheaper than in the UK. About $300 for the year.
Car insurance in America is in my opinion pretty much a rip-off, but one more thing we have to deal with. It seems at times that no one is responsible for the accident, we even have Failure to avoid an accident rules/laws so that if it cost to much for the car insurance company they can always fall back on that.
It does sound like they have drivers over a barrel. Ah well, head down and eyes on the road I guess.