The concept of insurance in the US is very different from the concept of insurance in Europe. In Europe, insurance is reasonably priced and when something happens that is covered by your insurance: 1. you call your insurance 2. after some checks and some time, you receive money In the US, insurance is absolutely incredibly expensive and when something happens that is covered by your insurance: 1. you wonder if you should call your insurance at all because (a) they will do everything they can to not pay you (granted, they do that too in the EU but to a much lesser degree, I guarantee you) (b) they will increase your insurance cost, the not-so-hidden message being "How dare you use the insurance that you pay for??") I remember when I first arrived in the US, in the first 3 months, we had a water leakage and a broken pipe in our house. That's 2 claims. I called our insurance to report those... the woman on the phone could not believe it: "you want to report 2 claims??" And she went on to convince me to pick only 1 and report only the biggest issue, for my own good. The bottom line is: In the US, you pay your insurance only to insure you against the real big extremely costly issues like: you need cancer treatment, your house burnt down, your car got destroyed... etc... If the issue you're reporting is costing you less than ~$5K, most of the time, you're better off not asking your insurance to cover it.... even though it's covered and even though you're paying a high price for it 🤷🤦🇺🇸