Insurance companies giving rather than taking?

Cannot help but wonder why insurance companies still mass mail the United States of America.  I admire Berkshire Hathaway and have read the annual report for Geico, it is fascinating and explains why they do so much advertising.  Direct mail is great and when combined with clever ads and phone calls can be great.  BUT what if it all stopped?

Is your agent a Psychic?

I doubt it.  but yet on a regular basis people come to me and say “I have plenty of coverage…”  The reality is none of us know when or even if we will be involved in a serious accident where hundreds of thousands of dollars will be paid out.  The second reality is any agent that wants to basically force a limit of coverage because of some sort of “rule of thumb” is not an agent I would want to hire.