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Message
Why do we really need private insurance for anything
Posted on 1/10/25 at 12:01 am
Posted on 1/10/25 at 12:01 am
I am OG GOP Southern Conservative but insurance is basically a tax on the South we pay a bunch of non Christians on the East Coast and basically the oldest richest families in Europe.
Health insurance is even more ridiculous. Yes if the government did it they would frick it up but that probably means they would just frick you less.
Before you call me a communist or some shite you should know that insurance companies are trying to get the government to roll all named storms into the federal flood program and all cat damage like this fire situation into some type of federal coverage. (They reinsurance most of this shite with Lloyd’s anyway so it’s really just a battle between the Rothchilds and Rubin’s etc)
All my buddies on the beach or paying the twin snakes 12-25k a year for policies that don’t cover floods or hurricanes. After reading them they really don’t cover shite but maybe theft and kitchen fires. It’s 100% profit. They haven’t paid a single claim since Katrina. I offered to just insure then fir half that and would just give them a new lawnmower and bike every year as I could reinsure them for 30% of that. It’s just a pure “we are going to frick you because we can” tax but if you have a Mortgage u have to deal with them, but maybe we should ask why do they even exist. Maybe they are like the fed …,
Health insurance is even more ridiculous. Yes if the government did it they would frick it up but that probably means they would just frick you less.
Before you call me a communist or some shite you should know that insurance companies are trying to get the government to roll all named storms into the federal flood program and all cat damage like this fire situation into some type of federal coverage. (They reinsurance most of this shite with Lloyd’s anyway so it’s really just a battle between the Rothchilds and Rubin’s etc)
All my buddies on the beach or paying the twin snakes 12-25k a year for policies that don’t cover floods or hurricanes. After reading them they really don’t cover shite but maybe theft and kitchen fires. It’s 100% profit. They haven’t paid a single claim since Katrina. I offered to just insure then fir half that and would just give them a new lawnmower and bike every year as I could reinsure them for 30% of that. It’s just a pure “we are going to frick you because we can” tax but if you have a Mortgage u have to deal with them, but maybe we should ask why do they even exist. Maybe they are like the fed …,
17
Posted on 1/10/25 at 12:10 am to TutHillTiger
You voted for no regulation, that's what you get
Posted on 1/10/25 at 12:13 am to TutHillTiger
quote:
Before you call me a communist or some shite
This is basically equivalent to calling someone racist these days. Means nothing, but idiots will throw the term around with ease.
Posted on 1/10/25 at 12:17 am to TutHillTiger
It's a risk pool.
My truck got stolen.
State farm paid out a fair settlement.
I didn't benefit.
I didn't get fricked.
Things could be improved.
But, I don't think it's a scam etc.
It is what it is ..a "risk pool".
My truck got stolen.
State farm paid out a fair settlement.
I didn't benefit.
I didn't get fricked.
Things could be improved.
But, I don't think it's a scam etc.
It is what it is ..a "risk pool".
Posted on 1/10/25 at 12:27 am to TutHillTiger
Fan of my huffy, i keep it fresh. Dont drive it much and refrain from driving into other huffys. However, ive paid enough huffy insurance to buy a batmobile. The state\gulf south society has relied on breaking the system. Insurance has said f u. Huffy guy pays the toll.
Posted on 1/10/25 at 12:38 am to slutiger5
There’s no group as openly willing to frick take customers over as insurance companies.
They also cause higher prices for everything and institute a level of fear mongering that makes us subservient to them.
I won’t lie and say I’ve never benefited from insurance. I have. But I can’t help but be mortified by it
They also cause higher prices for everything and institute a level of fear mongering that makes us subservient to them.
I won’t lie and say I’ve never benefited from insurance. I have. But I can’t help but be mortified by it
Posted on 1/10/25 at 12:46 am to TutHillTiger
I switched to travelers for home/auto after 20 years with nationwide. 1 month later my son rolls our brand new Jeep Cherokee and travelers paid out a $60k claim despite only receiving one premium from us. We actually made $100 on the deal. We had claim forgiveness so they can’t even raise our rates.
So in this one specific and very recent instance, insurance worked great for us.
So in this one specific and very recent instance, insurance worked great for us.
Posted on 1/10/25 at 12:59 am to TutHillTiger
I’m a libertarian, At it’s core my belief is their shouldn’t be. However the reality is people are A) shitbags and wouldn’t cover their own liability where it’s due and B) over 85% of Americans have 0 savings. So the world would come to a halt for all those individuals who need insurance in our current system.
However the current system needs a major overhaul and Louisiana badly badly needs tort reform
However the current system needs a major overhaul and Louisiana badly badly needs tort reform
This post was edited on 1/10/25 at 1:01 am
Posted on 1/10/25 at 1:51 am to TutHillTiger
quote:
Health insurance is even more ridiculous. Yes if the government did it they would frick it up but that probably means they would just frick you less.
The government running healthcare would be the worst thing in the history of this nation.
I'm not trying to defend insurance companies in general, but if this is in the context of the fires in CA, how can anyone find fault with them? That state is a nightmare for insurance companies to operate in.
Posted on 1/10/25 at 5:08 am to patchesohoulihan_007
quote:
However the current system needs a major overhaul and Louisiana badly badly needs tort reform
Yes
Posted on 1/10/25 at 6:46 am to TutHillTiger
quote:
Before you call me a communist or some shite you should know that insurance companies are trying to get the government to roll all named storms into the federal flood program and all cat damage like this fire situation into some type of federal coverage. (They reinsurance most of this shite with Lloyd’s anyway so it’s really just a battle between the Rothchilds and Rubin’s etc)
No they aren’t, Jesus Christ with the dramatics
Posted on 1/10/25 at 6:49 am to Privateer 2007
quote:
It's a risk pool.
I think this point gets lost on people when they talk about Health Insurance, it is meant to be there when shite hits the fan to protect you not "discounted or free" healthcare. Not faulting folks for thinking it is that way due to HMOs and PPO plans that dominate the market.
Posted on 1/10/25 at 6:52 am to TutHillTiger
quote:What? The South is making claims on that insurance every year after hurricane season.
but insurance is basically a tax on the South we pay a bunch of non Christians on the East Coast and basically the oldest richest families in Europe
Posted on 1/10/25 at 6:53 am to TutHillTiger
quote:
Yes if the government did it they would frick it up but that probably means they would just frick you less.
Oh, my sweet summer child. You know nothing.
Posted on 1/10/25 at 6:54 am to patchesohoulihan_007
quote:
However the current system needs a major overhaul
quote:
So the world would come to a halt
Let it come to a halt.
Posted on 1/10/25 at 6:59 am to TutHillTiger
Ah yes, the ones who bark the loudest about insurance and how terrible it is are the ones who know the least about it.
Posted on 1/10/25 at 7:03 am to TutHillTiger
quote:
we pay a bunch of non Christians on the East Coast and basically the oldest richest families in Europe.
WTF are you talking about? Those State Farm and AllState ads aren't going to fund themselves. Neither are the month long trips to Europe for your friendly local agent.
quote:
Yes if the government did it they would frick it up but that probably means they would just frick you less.
You must be high on Jesus if you believe this. You understand that fed and state gov wrote the rules under which private insurers operate, right?
quote:
federal coverage
Taxpayer coverage.
quote:
buddies on the beach or paying the twin snakes 12-25k a year for policies
We all get to make choices in life.
I've never seen someone connect State Farm/insurance with the Jooos before. Congrats. I'll mention it to my agent buddies next time they tell me about their private barrel of bourbon they have aging in Kentucky.
Posted on 1/10/25 at 7:11 am to TutHillTiger
quote:
I am OG GOP Southern Conservative
quote:
but
I’ve seen you start multiple post like this which tells me you’re not an “ OG GOP Southern Conservative”. Your post, read like a leftist clown trying to justify your position by pretending to be something else
Posted on 1/10/25 at 7:13 am to LemmyLives
Damn, my European vacation was only 2 weeks last year, I need to step my game up.
A barrel of my own bourbon sounds nice too.
Hey Tut, do you have some of those premium dollas I can get?
A barrel of my own bourbon sounds nice too.
Hey Tut, do you have some of those premium dollas I can get?
Posted on 1/10/25 at 7:15 am to CaptainsWafer
quote:
Ah yes, the ones who bark the loudest about insurance and how terrible it is are the ones who know the least about it.
And all the other emotional posters who know even less will upvote it, and it becomes a vicious cycle. There isn’t one ounce of truth in his entire OP
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