I listened to the podcast on the way to a dog show Saturday. One thing missing for the increased cost of car insurance is all the billion dollar natural disasters happening in recent years- scorched cars, flooded cars , smashed cars as wildfires, tornados, flooding, hurricanes have become a staple of the evening news.

Not a week goes by without seeing images of broken lives from these extreme weather events with the destroyed houses and cars that cause insurance to skyrocket across the board.