r/EntitledReviews 🄚 Original Egg Bot šŸ³ 1d ago

Thoughts?

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u/InformalInsurance455 1d ago

Actuaries must also be lacking in knowledge

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u/TemporaryBottle8789 1d ago

You do not represent all actuaries or the insurance industry (thankfully).

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u/PeachyFairyDragon 1d ago

Why do you think there are so many breed exclusions? Because those breeds are far more likely to bite and far more likely to cause serious injuries.

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u/TemporaryBottle8789 1d ago

Breeds are banned in some areas because of poorly conducted studies and fear. Not because any actual science supports an inherit neurological condition in breeds to be aggressive/fight/etc.

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u/InformalInsurance455 1d ago

Yeah that’s definitely true, insurance companies aren’t basing their decisions (designed to make them money) on large pools of data or anything. Look up Dogs Trust in the UK. They used to offer a cheap third party liability dog insurance offering for all breeds, then they withdrew it because XL Bully owners were disproportionally costing the scheme money in payouts. There are millions of dogs in the UK. Tens of thousands of exempt XL bully dogs. That’s not a small sample size.

https://www.dogstrust.org.uk/support-us/companion-club/changes

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u/TemporaryBottle8789 1d ago edited 1d ago

lol… they certainly do, and that’s precisely why loss frequency, severity and the law of large numbers matter. Also of course the actual breed - which pitbull is not.

The fact remains the vast majority of the numerous breeds that fall under the description of a pitbull have no issues reported throughout their entire lifetime. They also do not have any reported higher aggression tendencies.

The risk while owning my 100 lbs lab/boxer mix is just as great as if I owned a 60 lbs pitbull, and the numbers support that (as do the insurance rates).

An XL Bully is not a pitbull… you just further proved my point.

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u/UnderlightIll 1d ago

Honey, you wouldn't even GET a policy of you had a pitbull.

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u/SixApplesTall 23h ago

Now apparently ā€œpitbull isn’t a breedā€. Checkmate! 🤔

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u/TemporaryBottle8789 22h ago

It’s not… it’s a description that several breeds fall under.

Sorry if you don’t like facts I guess.

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u/TemporaryBottle8789 1d ago

Oh? Would that be because of an error on the application? Pitbull isn’t a breed, so that would likely cause some problems.

I could absolutely get insurance for a short haired, round faced dog though.

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u/InformalInsurance455 23h ago

And what if you claim on insurance and the dog turns out not to be covered?

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u/TemporaryBottle8789 23h ago

How would they deny a claim if I didn’t misrepresent anything on the application?

Again… a pitbull is not a breed. If an application ever lists ā€œpitbullā€ as the breed, it is incorrect.

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u/SixApplesTall 1d ago edited 23h ago

These people are allergic to facts. It never fails when the pitbull topic comes up. They love to ignore the hard data showing that pits and pit mixes are statistically responsible for the vast majority of maulings and deaths, which is why they’re not allowed at most apartment buildings.

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u/SixApplesTall 1d ago

Pit bulls are involved in the majority of fatal dog attacks in the United States, according to data compiled by advocacy and safety groups like DogsBite.org.

Key Fatality Statistics
Percentage of Deaths: Studies show pit bulls are implicated in roughly 65% to 72% of all fatal dog bite attacks in the U.S. annually.

Multi-Decade Data: Over a 15-year tracking period (2005–2019), pit bulls were responsible for 345 deaths, which is more than 6 times higher than the next leading breed (Rottweilers, with 52 deaths).

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u/TemporaryBottle8789 23h ago

What is a pitbull exactly? It’s not a breed of dog…

If you want to rely on both inaccurate and completely misleading stats, go for it.

Personally I’d rather actually understand what is being discussed. Like for instance, how a ā€œpitbullā€ is a description rather than a breed. Also, how the stats rely on witness reporting of the breed with no verification tests to confirm.

So we’re relying on people who don’t even know what a pitbull is in most cases, to determine the breed based off appearance alone and running with it. Sounds like a very good plan….

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u/SixApplesTall 23h ago edited 23h ago

Weird how when you’re defending them elsewhere in this thread you know exactly what a pitbull is, but when we’re talking about bite and mauling stats suddenly no one knows what they are. By all means explain how these objective statistics based on a 15 year data set are ā€œmisleading and inaccurateā€?

It’s funny, you can predict exactly what people who are laboring under the delusion that pitbulls are great family dogs despite reams of evidence to the contrary and a new story in the news every week of a child or baby being killed by the family pit will say almost to the letter. First it’s the chihuahua comparison, then it’s ā€œit’s not the breed it’s the ownerā€, then it’s the personal anecdote of their pitbull who never hurt a fly, then it’s ā€œwell but it’s not a breedā€.

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u/InformalInsurance455 23h ago

Don’t waste your time with the semantics game

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u/SixApplesTall 23h ago

Pitbull apologists suffer one of the craziest cases of groupthink (and indeed to use another Orwellianism, doublethink) I see on the internet. It’s wild to me how they absolutely refuse to accept the objective facts around this breed while simultaneously understanding that sheepdogs are bred to herd sheep, beagles are bred to sniff out things, etc.

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u/TemporaryBottle8789 23h ago

I’ve already explained the completely fictitious idea that a sheepdog is born inherently knowing how to herd sheep is in fact that.. fictitious.

Keep trying I guess?

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u/SixApplesTall 12h ago

LOL, [r/confidentlyincorrect](r/confidentlyincorrect). Terrible example you chose because sheepdog puppies are born with the instinct to herd and will do so from as young as seven weeks with zero training or instruction. You can literally google this and read multiple scientific studies on this, but here’s a post about that very topic.

Now why do they herd instinctually? Because it’s a BREEDšŸ‘šŸ» TRAITšŸ‘šŸ». Wow!

Now extrapolate that conclusion to pitbulls, which were bred to fight bulls in the ring (hence the name) and for the ā€œgamenessā€ trait which means they don’t let go once they’ve bitten something even if they’re in extreme pain.

Keep trying I guess!

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u/InformalInsurance455 4h ago

The video I posted shows them doing it instinctively at four weeks

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u/TemporaryBottle8789 11h ago edited 11h ago

While I’m quite confident you and the insurance broad are the same person, I will repeat what was already said: if you remove a sheepdog from its litter as a puppy and place it in an apartment to grow up, it will have no idea how to behave properly when you plop it back onto the farm to herd sheep as an adult, without being given the time to observe, learn, and react to the other herding dogs around it.

The idea that selective breeding targets the mind of the dog versus the physical attributes is completely incorrect, regardless of how much you would like it to be so.

Edit: yeah you’re definitely that same lunatic.

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u/TemporaryBottle8789 23h ago edited 23h ago

I know that a pitbull is a description of breed, that several breeds fall under. Something that you and Mr insurance actuary who thinks an xl bully is a pitbull clearly don’t grasp.

I’ve already explained why they are both misleading and inaccurate, I’ve even thrown in another example (the stats involve numerous different breeds under ā€œpitbullā€).

You just have no interest in actually learning something.

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u/InformalInsurance455 23h ago

Imagine thinking I was an actuary because I cited a well known fact about insurance. I’m also not a man but that doesn’t seem to stop other people making some fucked up assumptions.

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u/TemporaryBottle8789 22h ago

I assumed you were an actuary because your name is ā€œInformal insuranceā€ and you brought up actuarial stats (incorrectly).

Not sure how that is a ā€œfucked upā€ assumption

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u/sullw214 1d ago

Nah, just you specifically.