Allstate’s insulting and stupid.
August 4th, 2005That’s my stand.
Their marketing company is worse. Whores working for whores.
Their latest annoying commercial ends with the guy looking right at me (Yes! Right at ME!) and saying, “Can you love your car insurance as much as you love your car? Yes. That’s Allstate’s stand.”
Insurance is a sucker play to start with. Cars are shiny and they sound cool and they go fast. Cars are sexy. Insurance is stupid.
Insurance is making a monthly bet that something horrible is going to happen to you. You’re making the bet with someone who has an army of math geeks they call “actuaries” that are paid (and quite well) to calculate the odds and make sure they’re charging you enough to put the odds firmly in their favor. It’s a fixed game, boys and girls. If the odds were even, they would refuse the “service” to you.
Speaking of “service,” the insurance industry is the only one I know that will charge you every month for a service that if they are ever required to actually perform for you, punishes you with higher rates or cancellation. Because you asked them to do what you paid them for.
What a racket. They sell risk protection while refusing to take any risk. The mafia never could’ve dreamed up anything so pretty.
“Pay me protection money every munt. I can’t actually protect you from nuttin’, but I promise if anything bad happens to you, I’ll give you some of your money back (after you fill out da requisite forms and go through da whole rigamarole) and then I’ll refuse to sell you protection after that. Or I’ll just make it real expensive for ya, ’cause, I mean, c’mon, you’re a big risk to me now. I ain’t in the risk business. Wait. Well. You know what I mean.”
It’s an entire multi-billion dollar industry built on nothing more than preying on other people’s fears. It’s downright evil.
I called ‘em whores at the beginning of this post. That’s really rather unfair to whores. They provide the service they’re paid for and usually without complaining.
And then our lovely government makes us give the racketeers our money or they take away our right to drive our pretty shiney cars.
Ab-so-lute-ly spot on, DC. The only insurance I pay is what I have to by law.
It’s just too bad that people don’t have the discipline to self-insure.
It’s just too bad that people don’t have the discipline to self-insure.
For them, I guess. Not my problem.
See, up here in NH, you don’t have to have insurance if you own your car outright, and have no mortage on your home.
But, I got smacked by a lady a few years ago with no insurance. She put a guge about the size of a basketball in my passenger door. Single mom, two kids, what am I supposed to do? My insurance would have went up if I made a claim, so I had to eat it. Thing is, we all pay a little bit for the “uninsured driver” clause. What’s my benefit from this?
Some states have a “no-fault” policy. I think it’s the right way to do things.
No matter who caused the accident, your damage and/or injuries are your responsibility. That’s why it’s called an “accident.”
If you wanna pay for insurance, you’ve got a sucker on the hook. If you don’t, you pay it yourself. But at least you’re not leaving it up to an indifferent cop to “interview” a couple of drunk witnesses and decide who’s to blame.
You were a stand-up guy there, Billy D. And that’s the way it should work. She screwed up, your car got hurt, you forgave her and went on. Wanna know WWJD? That’s what he would’ve done. There’s your benefit.
Payin’ for uninsured drivers? Nahh. Even when I have insurance I don’t pay for that crap. I’m not that much of a sucker. A scam on a scam.
“no-fault”
Sounds better as a theory than the way it works. I lived with it for several years, it ends up costing you more $ than traditional insurance, even though they take away most of the law suits.
Joelle “they take away our right to drive our pretty shiney cars.” Rights are given by God, not a Constitution or a government. If rights came from a Constitution or a government, they would be alienable, and as we know ours are not. Sovereignty exists between the ears. God gave you the Right to Locomotion and government can’t take it away from you.
Two (2) systems of law run the world (yes, I said world) today. Common Law (based on the Holy Bible) ancient and immutable, and the Uniform Commercial Code. Under Common Law noone would need insurance, or a driver’s license, and there could only be lawsuits if someone’s Life, Liberty or Property was damaged. You can eliminate your own risk by driving slower, sober or whatever.
The UCC has been developed over 2000 years by sinister, nefarious folks who are successfully bankrupting Sovereign Americans without them even knowing it. Differnent topic, but it does relate to insurance, DL’s, and the belief by most Americans that their rights come from a Constitution, and not God.
Yeah! What Juice said.
The insurance industry has driven costs up in all areas they cover. I was just thinking on this really recently and it is another way of bringing people under control. The whole system operates by fear and really manipulates and takes advantage of people’s fears. I have known people who won’t trust Father for their health, birthing, etc. because they pay out this huge amount for health insurance every month and so have to take advantage of it. It would be better to save that money and then eat plenty of healthy food (cutting out the stuff that kills you slowly while expanding the waistline) and using natural medicine (the stuff made by G-d instead of man) when needing an extra boost to regain health. Having babies at home is really inexpensive and so much nicer, too. But fear causes people to go “But what if something goes wrong?” Well, can the doctor fix it? Is he G-d? When people go into fear, they bow down to the wrong one instead of the only One who can really help them.
Love and shalom,
Serena
I’ve been saying pretty much the same thing for years. What a racket! Paying for the priviledge of driving your own car, and then suffering with increased rates should you make a claim! Why people put up with it is beyond me!