There are two kinds of auto insurance. There’s Chubb. And there’s ordinary.
The problem is, they look alike on most days. Both give you cards for your wallet or glovebox. Either one satisfies the police. There can be a difference in price — but that’s the only difference some people see. You have to look closely to choose the right kind.
Or wait until you’re rear-ended. After hours. On the Fourth of July.