Here's a News Flash for this whiny insurance user....

Nobody cares if you are "the poster child for paying your premiums on time."  That's what you are supposed to do.  Paying bills on time is a prerequisite for getting service without interruption.  This woman sounds like people who pay their premiums when they are due are worthy of special consideration.  She reminds me of students who think that they are entitled to a high grade because they have a good attendance record.  Um, no.

Then the commercial actually gets funny.  This woman segues from her pointless "people who pay their premiums on time are amazing" intro to express shock and disgust that insurance companies react to an accident by- get this- jacking up your rates!  OHMIGOSH, really?  Has the President been notified?

Her wide-eyed astonishment is downright funny here.  Um, this is what insurance companies DO, lady.  They take premiums and deliver "security" in return- and they have a captive audience, because if you own a car, you MUST buy insurance for it.  As long as you continue to pay and don't have a claim, they'll adore you, and they'll show how much by sending you a birthday card with your agent's business card stapled on the inside.  "Tap a bumper" and file a claim?  Now you've broken a covenant with that agent (how could you? He sent you a birthday card!!)  Now you are costing that insurance company money.  Maybe this particular company will provide "accident forgiveness" and not raise your rates the first time (especially if you just "tap someone's bumper") but don't expect that to keep up.  Those massive buildings and these commercials aren't free, you know.

Here's a tip to this stupid lady and all the other stupid people in these stupid commercials- if you "tap someone's bumper" or someone else taps your bumper,  just take your car to a mechanic and pay for it to get fixed.  Or just leave a dent in your bumper.  Save your insurance claims for the big accidents- you know, the ones that will get your rates raised or your insurance cancelled.  By the guy who sent you that nice birthday card.