Not to hi jack the thread, but you are correct in what people really dont know what they get for their $200.00 a year. Sure to replace the plastic and carbon is one thing, but to defend the insured in a BI claim at the tune of 50,000-75,000 dollars through trial is a heck of a deal. Where else can you hire $300.00 a hour attorney for a $200.00 a year retainer.