Insurance companies are happy to accept your premium. They are less excited about the possibility of paying out on your claim. The insurance company has the power and control in the arrangement. The insurance company drafted the policy, and they are in the regular business of providing insurance services. The insurance company assumes a risk that you would be involved in an automobile collision. They hire actuaries who assess the risk they assume.
These actuaries also assess risk and potential exposure. Insurance companies know exactly how many automobile collisions occur in Montana and in your specific area prior to issuing your policy.
As with a casino, the odds are always in the insurance carrier's favor. You should never feel guilty about making a claim on a policy.