11-13-2009, 05:06 PM
(11-13-2009, 07:17 AM)ramseycat Wrote: I am not going to address this whole thing because I already have in previous posts. But your ex is a dickhead and I can totally understand that. As far as jumping through hoops for coverage, that isn't the case. Auto and No Fault coverage are not like health insurance where you have to get a referral and approval and all that. You get in an accident, if you have collision your car is covered. If you are hurt, then your medical bills are covered. Period. That is NYS law. I menetioned Michigan before because I thought you lived there, but that is your friend D. I do see your point Syber. But if you sat where I sat and saw how many people scam the system and stay out of work when they are not injured collecting wages from us or the unethical attorneys and providers, you would see my side. One thing I will say is that the company I work for is one of the best. We don't deny anyone coverage and it takes a lot to get someone cut off even when I know they are faking.
Yeah, like I said... there are scammers everywhere and it sucks. Anything that's in place to 'help people' is an open invitation to those who will take advantage.
I actually think that 'Insurance' should work like this: You basically get what you put into it. Liability shouldn't be for 'other people', it should be for yourself. If you pay into it and you get hurt, regardless of who is to blame, you can file a claim up to a certain percentage of the total amount you have paid into your policy (like say... 80%). You can never go beyond that amount. If people choose not to pay into insurance and they get into an accident... well too bad for them. At least then, I wouldn't feel like I was pouring my money down a well for no particular reason other than to line the pockets of insurance companies.
And stop being nice for fucks sake. That's no fun.
