Too often, people think that buying insurance solves all their problems. Not always. The real question is: How readily will the insurance company pay a valid claim? I am an attorney and have been handling consumer protection cases in Michigan now for 23 years. I wrote a post the other day about complaint methods that generally don't work and I got a ration of grief from readers telling me that attorneys are not necessary to solve consumer problems. I've got one more true story for you.