posted on Feb, 1 2009 @ 10:19 AM
I quite for 3 years and during this time, my health insurance doubled.
When I moved, my car insurance trippled.
I called both insurers.
The health insurer said it was increasing rates across the board and it was decided by the Co-Op, which I assume meant a vote.
The auto insurer I asked why my rate trippled and I was told they go by zip code even though I have over 25 years without an incident.
This all started when I added a car to my policy and the agent (new and I had not met before) looked up my policy and was shocked at how low my rate
He actually asked how I got suck a low rate.
About a week later, I received a letter stating that the agency was no longer using this particular insurer and I needed to come in and get a new
The new policy was over double, so I declined and went across town and got insurance for a bit less than double my old rate.
About a week later, I received a letter from the new insurer stating they would not insure one of my vehicles, due to my girlfriend got a ticket in it
at that time, and it was a sport car. They even used the terminoligy;
"due to the inherent power and tendency of high speeds"
I had to insure that car seperately through another agency, for a higher rate of course.
4 months later is when I moved, and my auto insurance went up triple the now higher rate.
That is when I rejoined a health insurer I used for 25 years prior, only cancelling when I moved away.
Now back, I had to pay double what I paid recently, and despite the years of premiums other than the 4 years I was gone, which they had on record, but
no breaks although patronizing them for so long before.
I canceled my Auto and got a new policy elsewhere for a small savings, and was so disenfranchised with the policies that all these institutions have
manipulated to reap higher profites from outragious premium increases.
It all seemed to start when laws made these mandatory, and when 41 was appointed - (NOT ELECTED).
This was at the time, the straw that broke me to start smoking again.
Psychologically, I feel the insurers are to blame for my smoking habit. Now, this thread points to articles that suggest I should not qualify for
The 2nd hand smoke argument is, IMHO, valid only on fractionally, for these reasons.
Prior to bans, most resteraunts, bars, establishments open to the public, had both smoking and non-smoking sections.
Evidently, this was sufficient for 40 or 100 years? somewhere in there.
Personally, I have been more offended (even as a non-smoker) with strong cheap perfume that evidently didn't seem pugnant (sp) to the bearer, but
cause me to gag, choke, cough and watering of eyes, as well as a harsh after taste I could not expel without a few strong drinks to drown the residual
I feel this is a direct infringment on my rights.
I also know that many times, beyond count, I have refrained from smoking or extinguished a cigarette so as not to intrude on anothers space, to save
persecution or mostly just out of respect. Something I was taught in my upbringing.
"I respect fully the right of people to smoke but when their rights start impinging on mine we have a conflict of rights and I am the victim. "
Again, I would go out of my way to avoid offending you in public.
What concerns me is, I guarantee I could test the affect of perfume where such a strong amount is applied, or it's so cheap and nasty it should be
avoided to begin with, and the results would prove that my health is endangered when inhaling these strong chemical aeresol.
Therefor, should be banned.
This could be said about persons with bad hygiene, A mechanic smelling of fuel or even worse, diesel oil,
Painters who have work clothes on and smell of polyeurithane or a resin etc...
How about an alcoholic that is a bit loud and obnoxious that is disturbing my person with audible volume or slurring of speech.
All of these alternative health and peace disturbing issues and the list could be expanded greatly with little effort, force me, a simple smoker, to
be forcefully vicimized in public, with in certain situations, more of a health concern.
So you see, In another 20 years, these and more may too be on the list of banned items or actions in public.
Next, a beautiful woman may find herself cuffed and on her way to booking at the local jail for breaking wind, or for stumbling into me because her
high heels or wardrobe malfunctioned.
So, where does it end?
I can tell you, years ago, right when the smoking ban became law, I noticed three things that resulted immediately.
1) many small bars and restraunts soon closed due to loss of business.
2) cigarette butts were polluting the sidewalks and streets. (later they figured out how to accomodate the outdoor smoker)
3) the Indian Reservation Casinos business exploded by 200-300 percent
because many smokers started going there where smoking was still allowed.
I remember joking with a friend. The ongoing differences regarding indian rights such as gill netting the rivers, runnung casinos that were outlawed
for the common State resident,etc....
We would picture the tribal chief, in full wardrobe and head dress,
arms raised looking toward the sky, thanking the State Legislature and God(s) for the State smoking ban, which opened the flood gate of smokers, now
treated almost as lepers, to the tribes establishments, now enjoying a tsunami-swell of new patrons, mostly smokers.
Meanwhile, Wa. State went 7 billion in debt? or is it more by now?
But to reitterate,
I would never intentionally cause a non-smoker discomfort by lighting up,
(except for at the indian casinos),
and the insuraqnce companies and their enormous rate hikes are the cause of my smoking habit.
I am again a victim.