Face it , insurance is a bet at the tables .. You are betting that your going to have a major claim . The insurance company is saying you won't and for x dollars they will cover your bet
Using it ? Kinda , your placing a bet ea year with every premium. You Win when you have a problem and the ins company has to pay out more than you put in . Ins company's aren't on your side , they aren't your friends as much as they want you to feel that way. They are the house and your betting you'll "win" ! ;-)