It has long been a mystery to me why anyone would voluntarily contract with an insurance company when both the "insured" and the insurer expect that the "insured" will receive approximately 1/2 the "premiums" back in the form of claims. But, that's what happens.

Aside from the generally bad deal that is today's "insurance", the very existence of insurance promotes inflated claims. How many structural fires are arson? A great many. Who pays for the fraud? The insurance companies? NO! No matter what, the insurance companies pay out far less in claims than they take in as "premiums". Increased premiums pay for fraud.