Win $200 For An Insurance Story

Share a happy/unhappy insurance story that you, a family member or a friend experienced. Happy: Thank God, I/we/he/she had enough/good insurance coverage. or Unhappy: I wish I/we/he/she had enough/good insurance coverage. The story could be about auto, homeowner's, renter's, business owner's or life insurance. PLEASE DO NOT NAME ANY INSURANCE COMPANY. The video should be under 30 seconds, 60 seconds, or 2 minutes, max. Most people use smart phones for recording. Must be original!