Thread 28579178

>pay insurance company thousands per year
>don't get in an accident
>they have rendered exactly zero services to me for my money because I didn't crash
>have to pay them again next year
>won't even fucking print my insurance policy card and mail it to me, I have to print it my goddamn self
Why are these scams legal?

>>28579178 (OP)
Because we let them get away with it.

>>28579178 (OP)
>won't even fucking print my insurance policy card and mail it to me
They will. They're legally required to.

Insurance isn't meant to be financially profitable and for 99.9% of people it won't be. You're paying to reduce the variance of your financial outcomes, i.e. risk. On average you'll pay more money but the actual amount becomes somewhat more predictable, while for the insurance company the cash flow becomes very predictable (and profitable) after combining everyone's risk in one big pool. Of course this is only necessary because many people would be financially devastated by any major incident they might need to cover out of pocket, so when you get down to it it's the literal monetization of poverty, which might be the most jewish thing imaginable.

t. took a few actuary classes before I quit because it was the most boring thing I'd ever done in my life.

>>28579206
Just like websites are legally obligated to not save your credit card information

I think insurance should be optional and personal coverage only.

>>28579178 (OP)
>>28579206
Just tested with mine (Progressive) and there was a Mail button I never noticed before near the Print button. Clicked it and expected to get paywalled but it just showed a popup saying they'll send it. We'll see if it shows up.

>>28579206
just pay them even more money, goy :^)

>>28579210
>Insurance isn't meant to be financially profitable and for 99.9% of people it won't be
Only the chosen few

>>28579220
>>28579210
Why aren't there more co-op style credit union insurers?

>>28579217
>>28579218
Motherfucker it won't even tell me if or how much money I just pissed away for this dumb thread. The billing statement doesn't even itemize anything, it just tells me to fucking call Sanjeev in customer service if I want to know anything more detailed than the total amount due.

Auto insurance is only profitable if you pay off your car or get a horrible medical problem along with the accident. Cars lose value immediately after driving off the lot, and you will not make your money back unless you pay it off. Insurance only helps to mitigate the financial burden after a wreck, not solve it

>>28579222
Checked and asking the real questions-pilled

>>28579222
Cuz jews.

>>28579178 (OP)
because most people are poorfags who can't afford to pay for repairs, medical costs, property damage costs, etc. in the event of a crash.

>>28579351
Because jews made it law that you have to pay if the jew owned insurers judge you to be even 1% at fault.

When you go racing you understand you will have to repair your own car even if some one else throws you into the wall.

>>28579333
>He blames random dune koons for all his pathetic problems
>Like a child blaming the boogeyman for every creak in the night or tree branches tapping on his windowsill
>Ngmi

>>28579178 (OP)
>>28579206
>>28579211
>>28579217
>>28579218
You losers know you get the new cards with the mail warnings that your insurace is about to expire right?

I dunno what insurance you fuckers have, but mine sends me a package with the full contract, what I selected last, a new selections sheets if I want to change anything via mail, a pre-paid envelope to send those changes back, and lastly, a fucking sheet with my new insurance cards if I'm just gonna pay and not change anything.

What kind of loser, mom-and-pop, tier insurance company that never pays are you fuckers on?

>>28579222
because credit unions segregate, they segregate by workplace, or profession, or location, etc. there's always a cutoff. How are you gonna segregate a driver? You could do it by brand or model, but Insurance is for the driver. Not the car itself. If you're doing it by brand or model, you're just buying extended car warranties at that point, and if you wanna talk about a scam that never pays......

this thread reeks of brown

>>28579453
Progressive has consistently only sent me the legally-required-in-Texas consumer bill of rights letter every time it renews, but no insurance card (or anything else) unless I ask for it online which may or may not cost money?

>>28579462
Please don't be antiseptic anon

>>28579250
>Insurance only helps to mitigate the financial burden after a wreck, not solve it
No, its accounting for you wrecking into some $200k car, or multiple cars. Your insurance has to pay them and their medical, rental car, and whatever actual cash value of their car or repairs are.

Yeah you might pay $1,000 a year for insurance, but in the even you fuck something up that payout from the insurance might be $280,000. You'll never pay insurance for 280 years to break them even on expenses.
You're also covered for a lot of shit like theft, someone plowing into your car, random fire, hail, etc. You can't just declare because something didn't happen you want 100% of your money back. That wouldn't be possible for the carrier to operate that way. That being said, they're beyond topheavy and super greedy, insurance should be 50% cheaper if they wouldn't pay for all the shyster bullshit they do.

>>28579482
>Texas
Ah, there's your problem. Some of you "don't thread on me!" anti-government fuckers probably bitched about it to your local government, completely ignoring the irony of running under the skirts of the local government to get your anti-government shit done, and as a result ALL of you fuckers are free from this "harassment" of getting all the papers you need. Fucking idiots.

>>28579222
because they get greedy and often sell when the opportunity arises.

>>28579490
>You're also covered for a lot of shit like theft, someone plowing into your car, random fire, hail, etc.
Government-enforced insurance the OP is complaining about is only 3rd party liability, it doesn't include all that.

>>28579490
Sure, 100% will never happen, but like, 20%? Shit, 10? I don't even necessarily want money back, just for them to do something that tangibly benefits me, not just take my money and do literally nothing for me. I dunno, send me a book of coupons? A magazine like Hagerty classic car insurance includes? A complimentary bottle of washer fluid? Fucking SOMETHING besides pissing my money away to never see it again nor any return on it. What other industry can you take hundreds of dollars from someone and do literally nothing in return? If I did that at my job it would be fraud.

>>28579193
1st post best post. Violence upon wall street billionaires is the answer.

>>28579518
In some countries you get one free towing (flatbed) service per year from your insurance company.

>>28579518
because the world is full of uncertainty you dumb faggot. why is this so difficult for your atrophied brain to understand? i can tell you're a trump voter

>>28579528
I understand just fine, I just don't like it. And no, I voted for the hyena.

>>28579523
Make the first move, I'll be right behind you

> Have insurance
> Car is sitting on driveway
> Roof is damaged
> Pay the deductible 250 eur and get a 6000 eur repair

>>28579222
plenty of co-op insurance pools exist here

>walk into big fancy building
>hundreds of staff, all experts at talking your money
>they regularly make billions
>one of the biggest industries on the planet
>regularly destroy lives and livelihoods without compassion or remorse
>somehow people think that this was all built by giving money away
Gambling is so dumb

>>28579178 (OP)
The average driver has a crash every 7 years.
Your insurance costs are all based on that.

>>28579512
Right, you're paying to ensure when you fuck someone elses world up they're not left holding the bag. You cannot refute forcing people to buy insurance on vehicles for at a minimum liability to others is a bad thing.

>>28580161
>forcing people to buy
Stfu commie jew

>>28579178 (OP)


Because modern 'insurance' is not insurance as historically understood, but a wealth transfer scheme; harvard law school graduates in the gubmint say you are legally required to provide 'insurance' to browns and can't deny coverage to any for any reason because raysis; and when the browns inevitably fuck something and or themselves up, who pays?
You, of course. Because those same harvard law school grads in gubmint also say it is legally forbidden for you to *not* have 'insurance'; so you pay into the system, and the system pays out to brown delinquents. The circle of life, see?

The vast majority of things today that people think of first when they think of 'buying' 'insurance' have no business being insured. That is literally speaking by the way; if there is no valuable but high risk business venture being insured that justifies the extra-ordinary expense that would not otherwise exist - overseas shipping being a classic example - then it is not insurance, but another scheme for wealth extraction.

posts like OPs are my problem with the internet and especially websites where younger people hang out like instagram. you're forcibly exposed to the opinions of people who literally don't know how anything works and aren't interested in understanding, they just want to complain.

>rendered exactly zero services
you got six months of insurance coverage in case your retarded ass crashed into somebody. that's how insurance works. you are exchanging money for a service, which is coverage. I'm sure you don't actually know how insurance works and so you think you should get your money refunded or something if you don't make a claim. You could of course take 3 minutes and read a brief article on how insurance works and where the money you pay goes but you won't.

then there's the whole "waah I shouldn't need to carry insurance" while doing possibly the riskiest and most dangerous thing most people will ever do in their lives (driving). I do not trust you dumbasses to not try to kill me. therefore when you inevitably fuck up and damage my property or injure me, you'd better have the money to pay for it. governments requiring all drivers to carry liability insurance is a government performing its proper function, i.e. protecting its citizens.

>>28579222

look for insurance companies with Mutual in the name. Those are typically structured as the owners are the insureds.

>>28580280
Name a single thing or service they have provided to me in the time I haven't ever crashed in exchange for my money.

>>28580308
I already explained this in pretty simple terms. You paid for coverage. that's the service you exchanged money for.
I really can't make it any clearer and I can't understand it for you, sorry.

>>28579357

such a simplistic understanding of risk laced into your acerbic antisemitism. And its not even a correct diagnosis for your frustration...

>>28580315
>coverage
So they got paid to sit on their ass in their air conditioned office and not actually do anything. Must be nice.

>>28580348
>not actually do anything
...Do you believe you are the only person who has a policy with that insurance company?
I mean, it was clear from your first post that you don't actually know how anything around you works, like most NPCs. But come on.

>>28580371
All the other people who haven't crashed aren't getting anything from them either. Shit, the ones who have still have a hard time getting anything from them either since they're allowed to be the arbiter of whether or not they pay out on claims while also running a for profit company beholden to paying their (((shareholders))) and less so their customers.

>>28580376
So you're back to thinking you didn't receive a service in exchange for your payment?

>>28580387
>pay them money
>I get a piece of paper that says "you're covered" (and usually not even getting the physical piece of paper, I have to print it my fucking self with my own ink and paper because they're too jewish to use the money I already gave them to print and mail it)
>I don't crash
>they do nothing
>pay us again in six months please! good luck getting us to pay you if something does happen :^)
No. They did not render any service. Coverage is not a service until you actually have to be covered for something that happened. They took my money and couldn't even fucking print one piece of paper with my proof of "coverage" and mail it.

>>28580398
>Coverage is not a service
It is actually. That you can't wrap your head around it doesn't change the fact that it is, in actuality, a service.

>>28580406
see
>>28580308

If you actually own your car, you only need liability, which isn't much at all. If you can afford to replace your car, you don't need full coverage.

>>28580413
see >>28580315

>>28580516
Name one action they took (after accepting payment) that tangibly helped me

>>28579178 (OP)
>sold house
>forgot to cancel insurance.
>year passes
>monthly withdraw is still coming out
>notice
>call company
>lady was helpful
>sexy voice
>look her up
>big titty milf
>my type
>send friend request
>week later check is in mail
>reimbursed in full
>request accepted

WINNING

>>28580257
You forgot the part where the (((law school))) graduates make billions off of the mandatory, for-profit socialism.

>>28580280
>forcibly exposed to the opinions
Under section 4.1.2 of the online safety act, your access to https/www.Boards.4chan.org has been suspended until such time as you upload your name, face, photo ID, address and DNA to an Israeli based verification service.
If you have any further questions:
•go fuck yourself

>>28580161
>you're paying
Why should I pay in advance for something I haven't done? Because
>to ensure when you fuck someone elses world up they're not left holding the bag
THEY can apply for an insurance plan protecting THEM if THEY don't want to be "holding the bag" or go to court and wait. Same way I can buy comprehensive instead of 3rd party only.

>>28580426
This. I heard of a guy who hit the side of a suspension bridge in his truck and caused something like $1.2mil of damage but his third party insurer pay out the damages.

On the subject /o/bros. Is third party person compulsory in your car on top of your yearly car registration fees? It is in Australia.

Third party person is the insurance when you injure a person in a car crash or hit a pedestrian and they can sue you (that is, the third party insurer) for personal injury damage payouts.

>>28579250
I've never gotten into an accident and I've gotten a lot more from my insurance than having paid. Getting my car towed to a mechanic a couple times with a taxi to my destination/replacement car and the windshield replaced after a rock strike.

>>28579224
>he doesn't have usaa
might as well be a pajeet immigrant

>>28579547
Where's 'here', bud?

>>28579357
>Because jews made it law that you have to pay if the jew owned insurers judge you to be even 1% at fault.
i'm pretty sure the concept of indemnification exists independently of jews.

>>28580732
3rd party insurance is mandatory anywhere civilized.

>>28579178 (OP)
Why the fuck are you paying thousands per year? I have homeowners, 2 cars, and a motorcycle, very good coverage on all, and my policy is just a hair over $1200 per year. Are you a 20 year old retard with a superbike and a couple dozen accidents and tickets on your record?

>>28579178 (OP)
>so here's the business model: they give us money, in return we give them back money, but we make sure the money we give back is almost always less than they give us

Government mandated insurance is a blight on humanity.

>>28580586
lawyers who work in insurance defense make notoriously shitty money just fyi.

>>28580909
Probably the area I live in where literally 20% of drivers are uninsured retards. I'm 28 with zero accidents and tickets, and pay $140/mo for liability only with uninsured motorist coverage added on a Miata and an old subaru (not a WRX.)

>>28580819
>3rd party insurance is mandatory anywhere civilized.
Almost every state will allow you to post a bond for financial responsibility in lieu of buying insurance.
>willingly buys and uses service
>why is this terrible thing happening to me??

>>28580924
Yeah, the only lawyers who make bank are divorce lawyers, because if people divorced like adults, a divorce would just be a 2K-3K process. But they don't, they divorce like children and as a result you get all the redpill stories about paying 50K in legal fees during divorce, all billable hours while the two children fight over some meaningless thing like who gets custody of the air fryer.

Most lawyers do well, but not bank, specially true if you're running your own practice, 2 or 3 of you get together to start your own thing, a secretary, a paralegal, an office space, and you end up making like 60K-70K a year after all the payments and permits and legalese and fees are done.

Even worse, there's lawyers that REALLY don't make money, if you're trying to be a lawyer for a good cause, you're really not making money, Immigration lawyers, environmental lawyers, etc. Ask me how I know.

>>28581006
I paid a lawyer $1100 for my house closing paperwork. I feel like medicine pays better

I pay insurance in case I fuck up and write off someones very expensive car because otherwise it would financially ruin me. Is that dumb?

>>28579178 (OP)
My truck insurance is half my truck payment, it's getting insane.

>>28581503
It only matters if you have assets to sue. I have 250k/500k coverage with 1 million umbrella because I don't want to get sued. I pay 4500/yr for 3 cars in jew york

>>28581503
My 2024 911 is 2k for the year with high coverage. Do you have an accident history or it's registered as a business vehicle?

>>28580924
not lawyers, law school grads
there's overlap of course, but the real point is getting your ticket to ruling class membership, the new priesthood, nomenklatura, et cetera. think of people like barrak hussein
all these functionaries, politicos, everyone running the 'permanent civil service' that handles all the business of government, making rules and enforcing them on people, all go to the same seminaries, the gatekeeping of the incumbency - nobody can be anybody unless they are processed and approved and get their ticket punched by the presently incumbent priesthood, to ensure they share the same consciousness, the same faith

>>28579178 (OP)
>thousands per year
>Plural
How?

>>28583142
Simple, by being a fuckup. It's either one of these two flavors:

His wife is a Karen driver with multiple tickets and an accident or two. Or even worse, it's his cunt of a girlfriend and he fell for the trad meme and is paying for a living road hazzard cause "it's what men do" with no benefit at all.

Or he's a liar who just wants to bitch that his insurance went up by $37 for the next 6 months and he knows if he just says that he's gonna get ridiculed for being a McDonnals worker who cannot afford jack and shit. So he's gonna exagerate. Just a bit.

speaking of insurance companies
>buy car for 12k
>insure car through hagerty
>get them to evaluate it at 25k based on other examples
should I "accidentally" crash my car and pocket the insurance money?

>>28583244
No need to crash it, you can just vandalize it. Or leave it in a negro neighborhood with the keys on the ignition, make a third key if you're gonna do this, so you can put both of your keys when you report it stolen

Police report the next day, your car is never getting revcovered, or it's getting recovered in parts, send police report to insurance, cash in.

>>28583991
my insurance rates would be totally fucked though, right?

>>28584366
Likely, yeah.

>>28580318
>>28580804
jew apologists

>>28584366
Sorry to break it to you, but your insurance rates will be fucked with an accident too.

>>28580257
The Dutch flag cushion is worth less because for the orientation the zipper is in a worse place. You can't move it.

>>28580280
>therefore when you inevitably fuck up and damage my property or injure me, you'd better have the money to pay for it.
Why when I can just make sure you don't survive?

>>28579178 (OP)
Insurance is a racket, and people who can't realize that are retarded. The problem is that it's a product you're forced to buy, rather than something you choose to buy for its value. That incentivizes insurance companies to cut every corner they can (such as making the claims process as painful as possible), because you're forced to be their customer even if the system sucks.

>>28583142
>>28583239
If you have multiple drivers and/or decent vehicles, it adds up quickly. I have five cars and two drivers, costs about $3800/yr. But /o/ is only capable of viewing things through the lens of a single driver with a cheap car.

>>28585137
>But /o/ is only capable of viewing things through the lens of a single driver with a cheap car.
That's because /o/ was created FOR single drivers with cheap cars. Why do you think we've had a sticky for decades longer than a decade now recommending what to buy for 5K? why do you think we're learning how to fix shit? it's not just so we can get better at it, it's because we don't want to pay $600 to some loser who just got out of prison and his only option was to become a mechanic, all for replacing a serpentine belt or some other easy maintenance item.

All so we can use our $600 dollars buying 40K fiurines, or videogames, or importing lewd resin statues from japan, etc. This is why /o/ exists, because the main audience is anyone who would rather do anything at all than waste more money than is needed on a car. No mater what the price is. What happened is that some of you grew up, got careers, actually lost your virginities and managed to reproduce somehow, but you still remain here, despite the fact you can just afford to buy a new car, fresh from the dealership and not even look back, you remain here, either larping or derping your way through this fucking dump.

>>28585632
>What happened is that some of you grew up, got careers, actually lost your virginities and managed to reproduce somehow, but you still remain here, despite the fact you can just afford to buy a new car, fresh from the dealership and not even look back, you remain here
Hits hard bro. Been on this shitty site for 19 years and don't know why.
Fuck working on cars though. The most I do is remove trim and installing dashcams and changing batteries.
>>28585137
I pay 4400 a year for 3 cars in jew york

>>28585632
*pats head* there there anon

>>28585632
>That's because /o/ was created FOR single drivers with cheap cars.
Bullshit. Plenty of /o/ had multiple and/or nice cars 15 years ago, when /o/ actually had regular contributors. But even if that wasn't you, posters back then were at least capable of looking at things from a different point of view.

>but you still remain here
This is exactly why this place is a shithole now. Everyone left, and anyone who stops by again gets chased right back out.