"It’s not coverage for stupid people. It’s coverage for people who aren’t aware of how deceptive it is. People shouldn’t have to go over offers with a fine-toothed comb to figure out whether they’re on the level or not."

I don't think you should really base PURCHASING an insurance policy like this based soley on a "deceptive" advertisment. It is the consumer's responsibility to know what they are signing up for when they sign on the dotted line. If that requires going "over offers with a fine-toothed comb", then that's what it requires. That's why you hire a good insurance agent, lawyer or just plain learn to READ!!! Anything less is . . . well, STUPID!!!!!

PEACE OUT!
Shawn