A common comment I get when people find out their not covered is: then why did I buy the policy. I don’t know; why did you buy it? No one was making you and did you even read it before deciding to do so, did you? Maybe try to understand what you’re buying before you buy it, a novel thought.

I bought a chimichanga the other day and took 2 bites and wondered why I chose it, but I didn’t go back to counter and demand a refund because I never asked what was in it and it just so happen to taste like crap. I accept that I made a poor decision, the restaurant only offered to sell it to me, they did not force me to buy it; I made the choice not to ask any questions.