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I have already answered your argument that I should pay for my own stuff to my own satisfaction if not yours, since I pay for the insurance from which I expect coverage.
Right. I also pay for insurance. Strangely, you are under the assumption that it is your position to dictate to your insurance company what they do and do not cover. Sadly for you, that is not the case. You do not get to tell them how to operate their business.

Sadly for freedom, people like you are common. Currently you and your comrades are in the process of using the federal government to force others to give you what you feel entitled to.

You should see if you can get the federal government to force your car insurance company to pay for repairs and gas.

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