The high cost of insurance

Let me try to understand this. A homeowner sues an insurer to pay for repairs to rotting decks, and a judge orders the company to pay to “prevent loss of lives and to save money for the insurance company.” (“Rotting Decks: a Clear and Present Danger” by Robert J. Bruss, Oct. 13.) Now I know why rates are skyrocketing and some companies are getting out of the business (“Learning to Manage High Insurance Costs” by Lew Sichelman, Oct. 13). I wonder if I can sue my auto insurer to pay to replace worn brakes because they might cause an accident?

Greg Kadorian

Burbank