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[–] Rellik88 0 points 16 points (+16|-0) ago 

Be me

Have insurance for car for decade

Get rear ended

Insurance fixes car for a total of $4000

Even tho I paid way more than that over a decade

They raise my rates

Insurance is a scam.

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[–] Broc_Lia 0 points 7 points (+7|-0) ago  (edited ago)

That's how insurance works though, most people won't get more money out than they put in. If they did where do you think the money would come from?

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[–] buckhorn 0 points 2 points (+2|-0) ago 

Agreed. In theory, pooling and amortizing risk over a group is a wise thing to do. In practice, with live humans, everyone ends up assuming their own problems are the most worthy of securing the pot. Additionally, whichever company manages the fund (hopefully doing legitimate actuarial leg work) will end up being loathe to pay out for even legitimate claims.

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[–] peacegnome 0 points 1 point (+1|-0) ago 

you could have/should have taken the person who hit you to court.

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[–] Karbuster ago 

You have shit insurance, all of you do

Its a fucking racket and extortion yea

But its neccessary in this inbread world full of maliciously stupid fucks

I used my insurance last year to the tune of $5600 when some dumb woman turned left in front of me

Got my truck fixed, upgraded a few parts because the upgrade was cheaper than oem, got my $500 deductible back AND pocketed $1400 after repairs

Rates stayed the same

Hate that its neccessary, in a peaceful, homogeneous society it wouldnt be but before then, you bet ill have it for the one day that some dipshit runs a red light and i have to sue them from the goddamn hospital

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[–] LegitimatePen 0 points 1 point (+1|-0) ago 

Isn't that still beyond fucked though, a woman crashes into you, destroying your stuff, and she doesn't pay for it? the fuck?