Clinton has bribed Spex into doing this to weaken the case against Stonetear , you say ? <| sep |> We don ' t have any with pupils with tattoos that I know of , we thankfully don ' t have a uniform so I can wear things that cover my tattoos , but they are on my back , ribs and knees so not obvious places anyway <| sep |> Saren after he ' s indoctrinated ? Sure . Saren before indoctrination was still a dick though p <| sep |> Of course that ' s how insurance policies work . You ' re insuring against your own negligence . You ' re not insuring yourself against the other driver , that ' s why the other driver has insurance . In your example of 2 packages with significantly different values , you ' re insuring the contents of your package . Basic insurance is like buy insurance incase your package is too heavy and hurts someone , not the replacement cost of your contents . Home insurance is the same thing , you have the replacement cost of your contents , along with damage to your property , but also your 3 rd party liability insurance . Just because your house is worth more than your neighbours house does not cause your 3 rd party liability to go up and nor should it . If basic insurance was based on the cost of your own vehicle , there would be no incentive for people driving $ 500 cars to drive safely because their insurance would be significantly cheaper and would only go up nominally .