LLC/ Canceling insurance issues?

The mysterious guys rolling bones and casting lots to determine insurance rates live in a isolated place called 'what if'.

Working equipment 'potentially available' sets off these guys ability to add extra charges just because of 'what if'...

I had an older single mother worked second shift dispatch.

She got the house and custody way back in the divorce and years later lives there with her adult son.

Junior has trashed his driving record and she pays the price for 'what if' he takes your car without permission????

Same problem and the same insurance 'solution' is 'pay more' or change the potential liability.