I have my (antique truck) insurance from Met Life through Condon & Skelly, a popular antique insurance broker in the Philadelphia/South Jersey area, from the day I bought the truck. Every year at renewal time, they always ask me several questions on the form: 1. Current odometer reading 2. Any drivers in the household receive any moving violations? 3. Is it garage kept? They have never asked for pictures. On question #2, the wife did get hammered by a red light photo on Staten Island, NY 2 years ago. When I filled out that form and indicated yes, it has a place to explain if the answer is yes. So I did like the honest person I am. I also added it was a moot point, as she does not drive the truck, because she does not even KNOW HOW!!!!! So I get a note from them 2 weeks later stating my rates are increasing. It wasn't by much, but I was pissed due to the principle. So I called them, and explained to the brain cell that answered the phone that the wife does not know how to drive a car with a manual tranny, much less a heavy truck with a non-syncronized trans. Brain cell basically says "too bad." So I ask for brain cell's supervisor, and tell him what the deal is. He says "well, not much I can do." So I cry about longevity as a customer, and then I say "Well, refund my check, I'll go see what JC Taylor can do for me." (JC Taylor is another popular insurer in the Philly area) Supervisor says "You know what, I think we can make the adjustment back to your previous terms."