Is this failure that you speak of documented somewhere or is this just hearsay that you think is gonna happen? If you've got actual proof of what your saying, well then I'm all ears. But if this failure you speak of is just YOUR opinion , well than I'm just gonna file it as that...your opinion. It's OK we are all entitled to have an opinion..
Thank you for your concern about my insurance though... I'm very well covered with my policy... Have a nice day!!