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#1
If I understand correctly; insurance is basically YOU paying a company to use YOUR money to solve your problems.

When the odd occasion arises and the insurance you've been making monthly payments to is called upon to deal with something; the company will do everything it possibly can to weasel it's way out of helping you. And if you manage to corner it and force it by law to do what it's SUPPOSED to do, it'l increase the amount of money you're required to pay it, like some kind of ''**** you'' in return for obligating them to do their job

What a total sham. Normally I'd laugh and spit on the ground insurance companies tread. But it's a LAW that you have certain kinds of insurance.

I break the law if I drive a car without insurance on my drivers license, my license plate, insurance for the damages done to my car, insurance for damages my car might cause, insurance to myself if I hurt myself in the car. etc etc

WHY!?!?!?!?!
#2
Its a fu*ked up system really, huh?

It doesnt make any sense to me.
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#4
You pay insurance, because when the time comes that you actually need it, they pay for it. Get good insurance, unless you are a low life using "The General" it actually helps out a ton.
If you kill somebody, guess what...their family sues! They cover (at least mine) 2 million. I got in an accident, 6k damage to my car and I paid $100 to fix it... Quit being another retard trying to complain about the system.
#5
I think the problem is a little bit exaggerated, not everyone who gets sick gets dropped....My uncle had a bill (after several surgeries and complications and stuff) that was over $300,000, and the insurance company shouldered most of the cost. He only paid a couple thousand if I remember correctly, maybe even less.

But yes, they can drop you if they choose, and they can deny you coverage if you have a preexisting condition
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#6
Insurance Companies started like this: You would pay them a little every month so that if something bad happens, they would pay (usally alot) for whatever happened. Seems like a smart idea.
But now they just want to make money, and will do anything to do it.

And one of the problems with health reform is that it makes it a law to have health insurance. With out a public option.
That works with car insurance, because if you can afford a car, you should be able to afford insurance. But that's not the case with health insurance.
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#7
yeah it's all a sham.
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#8
if you have $30,000 in medical bills you usually dont pay $30,000 into the system. it uses everyone's money that has purchased insurance in the company to pay for your prob...OMGZ SOCIALISM!
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#9
the only way it is helpful is when you have to pay for medical attention. an appendicitis costs $42,000 dollars and it is a fairly basic procedure. BUT i believe that all people should be provided with medical attention with no cost.
#10
You see, most of the stuff that insurance companies pay for, isn't affordable by most people so yes, insurance companies are good in many cases.
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#11
You may never need the benefits but what if a family memeber or close friend does? You'll be thankful for insurance when it pays for your mom's surgery.
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#12
Quote by Diet_coke_head
You pay insurance, because when the time comes that you actually need it, they pay for it. Get good insurance, unless you are a low life using "The General" it actually helps out a ton.
If you kill somebody, guess what...their family sues! They cover (at least mine) 2 million. I got in an accident, 6k damage to my car and I paid $100 to fix it... Quit being another retard trying to complain about the system.

Excuse me if my opinion and experience differs from yours.

My car had its tires slashed - insurance found a way to work around this - My car was stolen once - insurance found a way to avoid helping me.

You see nothing wrong with this picture ? Im lucky I actually FOUND my car myself.

You don't need to mount the high horse everytime somebody has a problem with how things are run. Asking questions should be encouraged.
#13
Quote by Rising
Excuse me if my opinion and experience differs from yours.

My car had its tires slashed - insurance found a way to work around this - My car was stolen once - insurance found a way to avoid helping me.

You see nothing wrong with this picture ? Im lucky I actually FOUND my car myself.

You don't need to mount the high horse everytime somebody has a problem with how things are run. Asking questions should be encouraged.

So...you've got a bad insurance company.
#14
Quote by Rising
Excuse me if my opinion and experience differs from yours.

My car had its tires slashed - insurance found a way to work around this - My car was stolen once - insurance found a way to avoid helping me.

You see nothing wrong with this picture ? Im lucky I actually FOUND my car myself.

You don't need to mount the high horse everytime somebody has a problem with how things are run. Asking questions should be encouraged.


I just pay the extra $15 a month for good insurance rather than cheap out, excuse me for looking into my insurance policy and making sure everything is covered...
Last edited by Diet_coke_head at Oct 22, 2009,
#15
It really sucks when your health insurance drops you and leaves your family with tons of expenses that are extremely difficult to pay off, just because of a health problem.
#16
I thought insurance was a good thing. Isn't that way Obama is trying to get a health reform passed? If it was so bad then why do millions of people want insurance?
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#17
You guys do realize why car insurance is mandatory, right?

Car wrecks are common. Statistically, you will probably be in a wreck if you haven't already. So what if some asshole is texting, doesn't see you, and hits you, but he doesn't have car insurance? There's this thing called liability. That's all that you have to have (at least in my state at least) to be legal, and it covers damage to other drivers' cars that you are responsible for. If Texting Jackass doesn't have insurance, there's no guarantee you'll ever see the money to get your car fixed and your broken leg put in a cast.

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#18
My friends dad was in the hospital for a year and racked up a 220,000 hospital bill. If they didn't have insurance to pay for that they would be completely fucked. They had good insurance though.
#19
You think insurance companies are a sham. The central banks like the federal reserve are private banks, not federal at all. All your income tax goes towards paying the interest on the money the fed loans to the government. Completely unconstitutional but if you dont pay you are ****ed.

At least with the mafia you could run away.
#20
Er. I had to get a few surgeries and the costs of all of them were well over the average annual salary of an American. I'd say I win in my case.

And they gotta force car insurance to stop hit and run and becuase many people can't afford to pay a huge sum of cash at once for damage.
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#21
Basically, there are good ones and bad ones. Same with, oh, just about everything else in life. Get used to it, and find a better insurance company.
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#22
Most people aren't able to pay a car off right then and there. They make monthly payments to afford it.

So, say you're in a wreck and you're to pay for property damage for instance. Why not make monthly payments to those damages.

It's similar to insurance in the sense that you're still making monthly payments, the difference is that you only make these payments when they're called for.

Thoughts ?
#23
Quote by IzRG350
My friends dad was in the hospital for a year and racked up a 220,000 hospital bill. If they didn't have insurance to pay for that they would be completely fucked. They had good insurance though.


Damn straight, no normal insurance company would fork out 220k for a middle class dude.
#24
Quote by Rising
Most people aren't able to pay a car off right then and there. They make monthly payments to afford it.

So, say you're in a wreck and you're to pay for property damage for instance. Why not make monthly payments to those damages.

It's similar to insurance in the sense that you're still making monthly payments, the difference is that you only make these payments when they're called for.

Thoughts ?



If you hit me in your car and break both my legs, and i need money to cover my loss of wages and health bills. I dont want to have to wait for you to pay it off monthly, before i get an operation. Plus what you could afford monthly to pay out on top of everything else, probs wouldnt be enough to cover one average persons living expenses.
#25
I know - they're bastards.

I got a car for £3500 and drove it for 4 weeks before some douche with no insurance smashed it beyond repair.

The insurers offered my £2700 for the car that was worth £3500 4 weeks beforehand

The book price for the car was £3200 and I paid the extra £300 cos it had a nice set of alloy wheels and a couple of other bits n bobs.

I was ****ing livid but as you say if I didn't have the insurance I'd be breaking the law
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#27
Quote by Rising


I break the law if I drive a car without insurance on my drivers license, my license plate, insurance for the damages done to my car, insurance for damages my car might cause, insurance to myself if I hurt myself in the car. etc etc

WHY!?!?!?!?!

You must have 3rd party insurance to cover damage the other person or his property. This is because you may be at fault but not have enough money to pay for damages so your insurance company will pay immediately without me having to go through the complex legal trouble of taking your house and everything you own (which may not be enough) or waiting for you to earn enough to pay me back.
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Last edited by Ur all $h1t at Oct 22, 2009,
#28
Many people choose to simply set aside money into a bank account every month instead. Both healthcare plans in the house and senate mandate that you buy some form of health insurance. Car insurance I can understand, but this is bullshit.
#29
Of course insurance companies don't want to pay out. Get a ding in your car, and go to a garage and ask for an estimate. Then tell them your insurance doesn't cover it, and watch the price drop.
#30
The good insurance companies really aren't a problem. And when it comes to car insurance, you really gotta shop around for the right price and coverage unless you've got a car that isn't worth much, then you can just get the cheap shit.

My problem is that it would cost me twice as much for car insurance if my car were in my name rather in mine and my dad's. Just because I'm 20 they figure they can charge me more based on statistics. My car will be scrapped if I get in an accident so there's no reason I actually need insurance
#31
Quote by dudius
The good insurance companies really aren't a problem. And when it comes to car insurance, you really gotta shop around for the right price and coverage unless you've got a car that isn't worth much, then you can just get the cheap shit.

My problem is that it would cost me twice as much for car insurance if my car were in my name rather in mine and my dad's. Just because I'm 20 they figure they can charge me more based on statistics.
My car will be scrapped if I get in an accident so there's no reason I actually need insurance

uh... yeah. and they're completely in the right in doing so.
#32
Quote by dudius
The good insurance companies really aren't a problem. And when it comes to car insurance, you really gotta shop around for the right price and coverage unless you've got a car that isn't worth much, then you can just get the cheap shit.

My problem is that it would cost me twice as much for car insurance if my car were in my name rather in mine and my dad's. Just because I'm 20 they figure they can charge me more based on statistics. My car will be scrapped if I get in an accident so there's no reason I actually need insurance

You need 3rd party insurance.
Statistics are a better way of working out a charge than, say, an individual assessment of your driving/eyesight/reaction time. Well, perhaps not better, but certainly cheaper.
#33
Quote by loudog93
the only way it is helpful is when you have to pay for medical attention. an appendicitis costs $42,000 dollars and it is a fairly basic procedure. BUT i believe that all people should be provided with medical attention with no cost.



I presume you mean an appendicectomy, it doesn't cost anything to have appendicitis.
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#34
Quote by MightyAl
You need 3rd party insurance.
Statistics are a better way of working out a charge than, say, an individual assessment of your driving/eyesight/reaction time. Well, perhaps not better, but certainly cheaper.


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#35
Quote by Rising
WHY!?!?!?!?!
Because they can.
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#36
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Because they can.

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#38
Tony Wilson, founder of Factory records and who basically INVENTED independant music, died 2 years ago because his insurance said he was too much of a liability and wouldn't pay the money for a cancer drug, despite him buying insurance many, many years before.

Its a total rip off, run by people who want all the money with none of the work.
#39
Quote by gallagher2006
Tony Wilson, founder of Factory records and who basically INVENTED independant music, died 2 years ago because his insurance said he was too much of a liability and wouldn't pay the money for a cancer drug, despite him buying insurance many, many years before.

Its a total rip off, run by people who want all the money with none of the work.

tony wilson was a tosser though so no big loss
#40
Quote by Ikey
tony wilson was a tosser though so no big loss


Yeah, but an important tosser. I believe he prefered "wanker" though.
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