Here's another twist on car and/or homeowner's coverage. I had an issue a few years back with my current provider (Nationwide) and started shopping around for another provider. Turns out they asked right off if I had filed a claim in the past 3-yr period. Apparently, in SC (maybe elsewhere), if a claim with your current insurance provider was filed in the past 3 years, no other insurance firm would issue a new policy! Just another example of how the insurance firms, along with the banks, are about as crooked as anything out there. Don't get me started!