So I become skeptical, and (like many other things) believe I have to really dig in on the policies before buying one. Which means the sleaziness of the business has scared me enough that I'm probably underinsured now.
So insurance skepticism means you do your best to understand policies before buying them? What's the alternative to that? Before witnessing sketchy practices, did you just buy whatever the salesperson recommended?
1 - Sell people policies that they don't need, or are inappropriate to their situation.
2 - Charging wildly different pricing for similar policies.
3 - Invest insurance premiums completely inappropriately.
So I become skeptical, and (like many other things) believe I have to really dig in on the policies before buying one. Which means the sleaziness of the business has scared me enough that I'm probably underinsured now.