Insurance, when looked at for what it is, is everything a conservative hates.

originally posted by: toysforadults
a reply to: Lumenari

you should be in prison, for the rest of your life. you need to take accountability for your actions that you have now admit in public

you are a criminal admitting guilt on a public forum

as a matter of fact I've taken screenshots of this and hashed those images for later prosecution, isn't that what you wish of others?

Feel free to turn me in to the local authorities that I've admitted to the world that I have broken the speed limit a lot of times 20 years ago.

Speaking of speed...

That what's going on tonight in your life?

Cause you're a little more off then usual...

a reply to: Lumenari

oh, suddenly when you are being held accountable and forced to deal with philosophy that you so proudly promote all over the internet you seem to pivot...

yeah that's what I thought

you are a criminal who deserve punishments for the crimes you have commit, you need to take personal responsibility for what you have done

a reply to: Lumenari

please, don't force me to embarrass you more

originally posted by: toysforadults
a reply to: Lumenari

oh, suddenly when you are being held accountable and forced to deal with philosophy that you so proudly promote all over the internet you seem to pivot...

yeah that's what I thought

you are a criminal who deserve punishments for the crimes you have commit, you need to take personal responsibility for what you have done

LMFAO!!!!

I've no idea what your dealer gave you tonight, but it's funny as hell to watch.

G'night sweety.

a reply to: Lumenari

yeah sure, easy escape

your own philosophy doesn't feel so great when it's being applied to you does it?

originally posted by: toysforadults
a reply to: Lumenari

please, don't force me to embarrass you more

Quoted for an epic level of irony.

a reply to: Lumenari



Welcome to Lumenari's world.

originally posted by: toysforadults
a reply to: Lumenari

yeah sure, easy escape

your own philosophy doesn't feel so great when it's being applied to you does it?

Dude, nobody even knows wtf you are talking about besides you and the voices in your head.

I'm leaving because you and I have drifted WAY over the T&C's of this place... started by you on some weird rant that has nothing to do with anything.

~wavin~



Sleep it off.

a reply to: Lumenari

yeah I know, I'm addressing the conservative point of view on this topic so I must be on drugs

:

originally posted by: toysforadults
a reply to: Lumenari

yeah I know, I'm addressing the conservative point of view on this topic so I must be on drugs

:

You are actually addressing nothing, and it is disappointing.

To actually adhere to the topic:

Insurance became normal when individuals did not have the resources to be able to replace what was lost.
I am not a fan of insurance, as it drives costs up. But I'd rather see coverage for health scares (or issues [or home costs etc]) than an out of pocket expense.

I actually do not like the current insurance model. As stated before (not by me) payment in should be considered. Things like energy efficient upgrades to homes should be at no cost for the insurance to be a true insurance.
But they look at them as additional costs ( or additional liabilities) so out of pocket expenses go up if we make "environmental changes" to our insured properties. Even if said properties become more sustaining and environmentally friendly.

a reply to: EternalSolace

Auto Insurance would be 50% cheaper if all it did was cover your car.

But the azzholes who run our states require that we have Bodily Injury, Uninsured Motorist, Underinsured Motorist, Medical Payments, and a couple of other things that have nothing to do with the damn car!

Yet these bureaucrats and lying politicians are SHOCKED and DISMAYED when someone "losses it" does something crazy?

People always ask me, "Why does Medicare only cover 80% of my medical bills?"

My answer, "When Medicare was put in place, people could easily pay 20% of their medical bills. They can't today, which is why you should get this BCBS $170 @ month Medicare Supplement plan, to cover the 20% Medicare doesn't pay."

Is that a Haiku?

originally posted by: carewemust
People always ask me, "Why does Medicare only cover 80% of my medical bills?"

My answer, "When Medicare was put in place, people could easily pay 20% of their medical bills. They can't today, which is why you should get this BCBS $170 @ month Medicare Supplement plan, to cover the 20% Medicare doesn't pay."

How true of a statement that insurance drives up the cost of health insurance. Before insurance a doctors visit cost lets say 20 bucks, after insurance its 100 bucks a visit. Why? Because they can bill insurance and recoup above and beyond the original 20 bucks, which drives up the cost in a never ending spiral upward. Don't get me into a discussion for dental insurance.

a reply to: EternalSolace

It's just a risk transfer mechanism.

If you are sitting on a pile of cash, the cost of a lost cargo isn't going to ruin you, but if you've put your life savings into 20 tons of coffee then that loss will ruin you.

So what happens is you pay the rich bloke a percentage of the value of your cargo to indemnify you against the loss, you factor in the premium you pay when making your selling price and, if the ship docks safely, Mr rich pockets his profit and you sell your coffee and pockets yours.
If the worst happens, Mr rich pays you the value of your coffee and you order another shipment, he takes the loss and moves on.

It's not socialist, it's actually pretty capitalist.

I don't mind paying car insurance, it's cheap for me, I think I paid 40$ in Texas and about the same here in Michigan. Full coverage for me is about 200-300$ a month, the 300$ is car replacement insurance.

I've had one accident in my life (drunk driver t-boned me when I was 17) and one ticket while driving a pizza truck.

so yeah I get VERY cheap insurance, it's not hard, just don't speed where you can get caught 🤷‍♀️🤷‍♀️🤷‍♀️

a reply to: thedigirati

Over here I pay 85 quid a year for full comp on my bikes, which covers unlimited third party damage and full repair or replacement of my bikes.
Car wise, I have to pay 400 a year for the same cover on my Jag and about half that on my wife's Peugeot.

It's not nearly so reasonable for those under 30 though.

originally posted by: Lumenari
Vacation insurance I've never had

Not even when you have left the US???
That is a dangerous game to play 😱😱😱
I was traveling Asia for a year once, paid £450 travel insurance which covered me up to one million in the event of accident or illness. I injured my leg on coral while swimming underwater, cleaned and patched myself up from my own first aid kit, but it got badly infected over the next week or so, I ended up flying to Bangkok because when I got to Cambodia, the best hospital had cats and rats running around!

Managed to stay conscious until arriving at the hospital (Taxi from airport "English speaking hospital please") then passed out at their reception. Came round a day or so later, drips in my arm, stayed there 3 weeks until I recovered.
The bill came to £13,000, I paid nothing, my insurance did. I will never leave the UK or the EU without travel insurance no way...I can only imagine the cost of a medi-evac flight back if I ever need it.

a reply to: EternalSolace

Most people will get some use out of car insurance, but the real benefit is being able to drive. You can cause millions in damages, so unless you have millions in the bank to pay you can't drive.

Health insurance is it's own separate thread.

Vacation and life insurance are optional. I am pretty sure it's not mandatory.

a reply to: DaisyRainbow

My health insurance covers me abroad. Vacation insurance I read to be insurance in case you cancel the vacation.