Move out of the US.

Much better in Europe. Never had any issue with any of the claims to my insurance company, and price did not go up.

They even provide legal support for incidents outside home. I had a bike crash, and they took all the required paperwork and settled with the other part without me paying a dime.

I'm in Poland. But I guess given how everything is international now, I doubt EU has it any better than the US.

If you're below middle class, large corporations (banks, insurance companies, media providers etc.) are most likely able to treat You as they please. While it's really hard to blame the less wealthy, given our history. I think this is worldwide: If you're not able to protect yourself, no one will.

I'm in the UK. It's no better here or in Europe.

I wouldn't use it as a safety net myself these days, just a dice roll.

Good question. After working in insurance and finance for about 15 years, not those two sectors for sure.