The NEW and IMPROVED utterly fucking pointless thread

[ramseycat]

You are just pissed because you don't pay your bill and probably have shitty credit and your premiums are high.

I'm not pissed about not paying my bill, I'm actually kind of smug about it. Fuck the insurance companies. I bet I got away with basically not paying insurance for a good 10 years or more... just paying it once a year for the first month, so I could get my vehicle registration. I saved thousands of dollars more than I'm paying in 'higher rates' penalties now (maybe $30/month more than I would have otherwise), so

I do have 'shitty credit', but that's solely the fault of my ex and I'm getting that cleaned up, slowly but surely.

Throw in a couple of tickets and there you go.

I've never had a ticket. NEVER. So again,

You do realize that insurance companies are in business to make money? We don't do this for charity.

Yes, every scam is in business to make money, that doesn't make their practices 'ok'. I'm 'in business to make money' too, and guess what? I help people all the time. I'm always giving people breaks on their repair costs when they are desperate and have little money, sometimes I even do things for free (though not often, I usually charge at least a $15 minimum because people usually don't value something that is totally free), I also organize several charity events for my community, which I mostly pay for out of my pocket. So, do I feel like I'm BETTER than the insurance companies??? HEEELLLL YES.

One day you will get hurt in an accident and when your insurance pays all your medical bills with no copays or deductibles you will appreciate it.

You mean after I jump through all of the claims adjusters' hoops and abuses and HOPE that I can prove that I AM entitled to the coverage? Oh wait... that's right... I don't HAVE coverage. I only have liability, so I'm only paying to cover the OTHER guy's ass. With my luck, if I'm ever in an accident serious enough to need medical coverage, the person who hits me will be 'uninsured' and sure, you could say 'Hah! Karma!' only that's bullshit because *I* never hurt anyone by going without coverage. I never had an accident or ticket. I played the odds and I won, so yeah... I'm smug about it. :87:

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.