As I get older and wiser and more in tune with my grown-up side, I notice certain things that I don’t particularly like or agree with. Most of these things can’t be changed. Like the fact that weekends will never be three days long during non-holiday situations. I have to deal with that.
But what I have to deal with and am being forced to deal with are two different things. In my opinion, auto insurance is the biggest scam going, and EVERYONE I have spoken to, including people that work for insurance companies agree with me. First off, I must admit that I have not had any problems with my auto insurance in the past few years. That is probably because I have not had to use it for anything and they just keep stealing my money. I pay $1650 a year for a service that I don’t use. Well, at least haven’t used in a while (Knock on wood). The last time I tried to use my insurance was when I was 20 and got into a really bad car accident. I was driving straight and a Corvette, driving on the opposite side of the road trying to make a left, decides to floor it and beat me to the point of where he was making the turn. (bear in mind there was nobody visibly behind me). So instead of waiting a few seconds for me to pass and make his left turn, the jackass floors it and SPLAT! Front of my car looked like an accordion and you couldn’t tell if his car was a corvette or an accord. Both of us walked away unhurt (somehow). Now this guy comes over and says how he owns a body shop and we should go to his place and take care of it. Obviously I told him he was crazy because I was young and hadn’t had the lovely experience of getting my car wrecked or dealing with insurance companies yet. So I started getting to the point where I was going to beat the hell out of the guy and demanded that police get involved and we go through insurance. He didn’t want to go through insurance but I was having it. After all, why should I care about him, it was completely his fault and there is no possible way this could go any way but in my favor. So after 30 minutes of arguing with this guy, the cop finally shows up and we end up going through insurance. About a week later, I get a phone call from some woman at the insurance company that went something like this:ME: Hello?
Woman: Hi, is this Craig?
Woman: Hi, I am the stupid fucking cunt from the insurance company, how are you today?
ME: Um, ok, what is going on?
SFCFTIC: I am the adjuster and I just wanted to let you know your accident claim has been approved for 70%.
ME: 70% of what?
SFCFTIC: The total damage of your car.
ME: What do you mean only 70%? This guy crashed into me.
SFCFTIC: Well, from the angle of the damage and from the information in the police report, I have determined that you could have avoided this accident.
SFCFTIC: Sir, hello?
ME: Are you fucking serious? You weren’t even there. What qualifies you to assess the damage of an accident that you weren’t even at?
SFCFTIC: That is my job sir.
ME: Well make it your job to go find my other 30% because this is horse crap.
SFCFTIC: I’m sorry sir, it has already been processed at 70%. You will have to pay the other 30% of the damage.
ME: I hope you get into an accident on your way home and you get fucked by your insurance company. Have a great fucking night.
My first major issue with this is how somebody that isn’t present at an accident qualified to make an assessment of the damage? This accident was clearly no fault of mine and I got 70%. Complete bullshit. My second major issue was they then raised my rates because I used my insurance.
So I pay $1650 to the insurance company, so that if by chance somebody crashes into me, somebody that wasn’t at my accident will determine that I only deserve to be reimbursed for 70% of the damages, and then I get my rates raised after having to pay 30% of my damage out of my pocket.
Don’t even get a speeding ticket. Rates get raised for that too, because you are a higher risk to them of having an accident. Let’s not mention that when you get a ticket you don’t use your insurance for any reason. Like if someone is going 35 MPH in a 25 MPH zone.
Because someone driving 35 is a huge risk of getting into an accident right?
So now, someone gets a speeding ticket for going 35 in a 25, and now their insurance rates go up when they didn’t use their insurance for any reason. And if that ticket was in the same year as your accident, they can drop you if they want.
We pay for a service that we don’t use, if we use it gets more expensive, they then decide when you attempt to use it if you even qualify for the full amount, and if you don’t use if you get to keep paying and you don’t get any money back. But what happens when we don’t use our insurance for a year? How about people that don’t use their insurance for 5 or 10 years? Do they get a percentage refunded to them? No. The insurance company keeps every cent of it. No wonder people try and scam insurance companies all the time, insurance companies scam their clients every day.