I know what you are thinking - we all hate dental insurance companies, right? But this is not about them. Indulge me while I whine about my car insurance company for a bit.

As you may have read, my brand new car was involved in a hit-and-run recently. We were eating in a restaurant with the car parked on the street and some dude hit the car and took off.

So I take my car to the body shop and they give me an estimate to get it fixed and tell them to proceed. The insurance company approved the claim but since I have a $1,000 deductible, I thought I would submit that to my company to waive it as I have uninsured motorist coverage.

Meaning if someone without insurance hits me, my company pays for the deductible. Well they declined it. They said there was no other motorist involved (even though I have a police report on the hit and run) and that I would have to pay the $1,000.

Forgive me if this sounds stupid, but if you can't find the motorist who hit you, by default doesn't that mean that there is no insurance?

To me, it's bad enough that I pay all this money for insurance and pay extra to get covered in case someone without insurance hits me, but it's worse that the insurance companies - after taking your money - will do everything in their power to try to screw you.