Insurance hack

[Archerfish]

and because i sometimes find it difficult to differentiate one from the other, i tend to assume it was an honest query, and respond accordingly.
"..our chance at educating someone, and we flubbed it..."

Same thing here, I'd rather assume that it is an honest query instead of ruining the chance to educate someone.

So I remembered this guy who deliberately damaged his car. His reasoning, is that he wants to get the worth of money he spent on his insurance. This is something I can't imagine, doing this to my car.