Yeah, it seems to me the insurance companies are only in the business of collecting premiums, when it comes to paying out claims they have lots of small print.

Back when I was younger I had 2 claims within the first 3 years of being with "a major auto insurance carrier", and found out that was grounds for dropping you. 2 claims in 3 years, i wouldn't say that was excessive - though I've only ever had one more claim in the 12 years since then on the company I changed to, it seems like they screwed themselves by not keeping me around. 15 years of premiums > 3 claims bay a long shot.