In co-dependence denial the greatest ignorance is to reject substantive matter out of hand, yet insurance policyholders do it as preset course, unaware of their vulnerability till often too late.
The question is when will the 99% change course? The answer is when they are good and ready.

Object in the road

A policyholder whose automobile struck an object in the road causing a puncture in the oil pan, rapid loss of oil and immediate engine damage, was entitled to recover under the automobile collision coverage:
Bekermus v. State Farm Mut. Insurance Co., 545 N.Y.S. 2d 799, 154 A.D. 2d 323.