Total Posts:15|Showing Posts:1-15
Jump to topic:

F*ck the insurance industry

Paradox_7
Posts: 1,870
Add as Friend
Challenge to a Debate
Send a Message
3/29/2013 3:20:11 PM
Posted: 3 years ago
I'm an agent, and I hate it..

auto insurance companies and agencies are such scum bags..
: At 10/23/2012 8:06:03 PM, tvellalott wrote:
: Don't be. The Catholic Church is ran by Darth Sidius for fvck sake. As far as I'm concerned, you're a bona fide member of the Sith.
Paradox_7
Posts: 1,870
Add as Friend
Challenge to a Debate
Send a Message
3/29/2013 6:34:52 PM
Posted: 3 years ago
At 3/29/2013 4:16:37 PM, Cermank wrote:
I can empathise. Poor pay or conscience talking?


Both.

I get paid very little to do a ton of work, and lie ALOT.

The competition is pretty hard-core, but the things agents will do to get a sale really screws people. So I have to lie to people just to make sure there policies aren't messed up.

No one seems to believe the risk they put them selves in when trusting most of the agents out there; they're all just looking for a quick buck.

But, I can't just come out and say that, so i have to coax these people into believing me so I can help them.
: At 10/23/2012 8:06:03 PM, tvellalott wrote:
: Don't be. The Catholic Church is ran by Darth Sidius for fvck sake. As far as I'm concerned, you're a bona fide member of the Sith.
R0b1Billion
Posts: 3,733
Add as Friend
Challenge to a Debate
Send a Message
4/11/2013 10:13:49 PM
Posted: 3 years ago
Insurance is one of the externalities to a global, capitalist economy. Most people don't consider your woes anything to worry about because you have the "freedom" to get another job. We demand a high-level of products and services in our lives. Welcome to degrading and menial labor.
Beliefs in a nutshell:
- The Ends never justify the Means.
- Objectivity is secondary to subjectivity.
- The War on Drugs is the worst policy in the U.S.
- Most people worship technology as a religion.
- Computers will never become sentient.
TUF
Posts: 21,309
Add as Friend
Challenge to a Debate
Send a Message
4/11/2013 10:27:42 PM
Posted: 3 years ago
Insurance is such a joke. They try charging me 253 bucks a month for full coverage on my Sebring.

I can understand the concept of having to pay insurance but the amount the charge is ridiculous. Good drivers who never get in accidents shouldn't even have to pay anywhere close 100 dollars a month. I wouldn't care about it though if it wasn't required.by law.to have...
"I've got to go and grab a shirt" ~ Airmax1227
YYW
Posts: 36,339
Add as Friend
Challenge to a Debate
Send a Message
4/11/2013 10:28:55 PM
Posted: 3 years ago
At 4/11/2013 10:27:42 PM, TUF wrote:
Insurance is such a joke. They try charging me 253 bucks a month for full coverage on my Sebring.

Fvck those fvcking fvcks. That's fvcking nonsense.

I can understand the concept of having to pay insurance but the amount the charge is ridiculous. Good drivers who never get in accidents shouldn't even have to pay anywhere close 100 dollars a month. I wouldn't care about it though if it wasn't required.by law.to have...
Tsar of DDO
F-16_Fighting_Falcon
Posts: 18,324
Add as Friend
Challenge to a Debate
Send a Message
4/11/2013 10:39:14 PM
Posted: 3 years ago
It would be interesting to see a debate on this. I wonder if the most popular conservative position is to defend the mechanism of insurance companies.
TUF
Posts: 21,309
Add as Friend
Challenge to a Debate
Send a Message
4/11/2013 10:45:46 PM
Posted: 3 years ago
At 4/11/2013 10:39:14 PM, F-16_Fighting_Falcon wrote:
It would be interesting to see a debate on this. I wonder if the most popular conservative position is to defend the mechanism of insurance companies.

I agree with the concept but I think he system needs to adapt into something more moderated. If the government is going to require you by law to have insurance to drive, they should take into consideration the fact that many people make less than ten dollars an hour and between gas, car payments, and insurance, your pay check is basically paying your ride to work alone. Something under 50 bucks a month would be more reasonable
"I've got to go and grab a shirt" ~ Airmax1227
Wnope
Posts: 6,924
Add as Friend
Challenge to a Debate
Send a Message
4/12/2013 4:44:58 PM
Posted: 3 years ago
It's kinda hard not to be in the insurance business and not be a d!ck.

The best business model is to f*ck over your customers when they really need you and ignore the ones who would take advantage of your services more often than they would pay in.
Wnope
Posts: 6,924
Add as Friend
Challenge to a Debate
Send a Message
4/12/2013 4:46:19 PM
Posted: 3 years ago
Course, if this were health insurance, you could try and stop that by not allowing discrimination against pre-existing conditions, but apparently that'd be socialism.
Lordknukle
Posts: 12,788
Add as Friend
Challenge to a Debate
Send a Message
4/12/2013 5:30:33 PM
Posted: 3 years ago
At 4/12/2013 4:46:19 PM, Wnope wrote:
Course, if this were health insurance, you could try and stop that by not allowing discrimination against pre-existing conditions, but apparently that'd be socialism.

That'd just be horrible business.
"Easy is the descent to Avernus, for the door to the Underworld lies upon both day and night. But to retrace your steps and return to the breezes above- that's the task, that's the toil."
R0b1Billion
Posts: 3,733
Add as Friend
Challenge to a Debate
Send a Message
4/13/2013 1:14:03 AM
Posted: 3 years ago
At 4/11/2013 10:27:42 PM, TUF wrote:
Insurance is such a joke. They try charging me 253 bucks a month for full coverage on my Sebring.

At 20 you are a high risk regardless of record and choice of vehicle. Fundamentally speaking, however, I think it's wrong to let a young person (or anyone for that matter) "insure" against accidents. The only way to insure yourself against an accident is not to drive. To give someone the idea that they are now safe because some money is invested is misleading, because significant automobile accidents can't be remedied with money. If you screw up a part of your body in a car wreck, no doctor is going to be able to fix you completely no matter what you spend on the hospital bill. Similarly, hurting someone else because you made a mistake at the wheel cannot be remedied with any amount of money. I would rather see people operate vehicles with the cold sobriety of knowing they aren't insured, rather than giving them that false sense of confidence.
Beliefs in a nutshell:
- The Ends never justify the Means.
- Objectivity is secondary to subjectivity.
- The War on Drugs is the worst policy in the U.S.
- Most people worship technology as a religion.
- Computers will never become sentient.
Wnope
Posts: 6,924
Add as Friend
Challenge to a Debate
Send a Message
4/13/2013 1:17:34 AM
Posted: 3 years ago
At 4/12/2013 5:30:33 PM, Lordknukle wrote:
At 4/12/2013 4:46:19 PM, Wnope wrote:
Course, if this were health insurance, you could try and stop that by not allowing discrimination against pre-existing conditions, but apparently that'd be socialism.

That'd just be horrible business.

Correct, an insurance company not actively trying to f*ck over the population is engaging in bad business.

Thus, insurance companies and those who are gung-fo for them tend to be diks.
RoyLatham
Posts: 4,488
Add as Friend
Challenge to a Debate
Send a Message
4/13/2013 7:12:43 PM
Posted: 3 years ago
Insurance is the business of buying and selling risk. With only a few exceptions, you are free to avoid insurance by not buying it and taking the risk yourself. Auto insurance includes the risk of an uninsured person hitting you. If you have no fear of loses from fire, flood, earthquakes, accidents, thieves, illness, or others suing you, then don't buy insurance.

It's easy to find out how much the insurance companies are making for assuming risks. For property and casualty insurance, the largest company (Buffett's Berkshire Hathaway) makes 7.1% of revenues and 2.6% on assets. http://money.cnn.com... The largest health insurer makes 5% on revenue, 7.6% on assets. http://money.cnn.com...

The solution to working for a lousy company is to quit and go work for someone else.
R0b1Billion
Posts: 3,733
Add as Friend
Challenge to a Debate
Send a Message
4/14/2013 12:18:56 AM
Posted: 3 years ago
At 4/13/2013 7:12:43 PM, RoyLatham wrote:
Insurance is the business of buying and selling risk.

In theory... in practice, it is a marvel of unethical practices both by the insurers and the insured.

With only a few exceptions, you are free to avoid insurance by not buying it and taking the risk yourself. Auto insurance includes the risk of an uninsured person hitting you. If you have no fear of loses from fire, flood, earthquakes, accidents, thieves, illness, or others suing you, then don't buy insurance.

We wouldn't suffer from risk if we weren't such an individualistic society - communistic approaches mitigate risk without the need for special institutions. And most people can't avoid car insurance and home insurance because nobody can afford to acquire these items without loans since our economy is purposefully kept on the decline.

It's easy to find out how much the insurance companies are making for assuming risks. For property and casualty insurance, the largest company (Buffett's Berkshire Hathaway) makes 7.1% of revenues and 2.6% on assets. http://money.cnn.com... The largest health insurer makes 5% on revenue, 7.6% on assets. http://money.cnn.com...

The solution to working for a lousy company is to quit and go work for someone else.

Entire industries are turning "lousy..." there's often nowhere for employees to turn to escape it.
Beliefs in a nutshell:
- The Ends never justify the Means.
- Objectivity is secondary to subjectivity.
- The War on Drugs is the worst policy in the U.S.
- Most people worship technology as a religion.
- Computers will never become sentient.