Well, lets just say we agree to disagree. My insurance agent thinks different about all this and she finds it very amusing.
I would like to see some specific cases where the insurance companies just said screw it and left the driver holding the bag even though they had insurance. If this were the case then nobody would ever get paid for a claim on ANYTHING!!!
There are no exclusions in my policy plus I have wetness coverage. The last load of onions I took I crossed out "Protect from freezing" and they agreed at the shipper. That is out of my hands with a flatbed.