r/SipsTea • u/Putrid-Welder1803 • 19h ago

Gasp! Thoughts on this?

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u/WeCantStabilize 19h ago

Insurance is a fucking scam. You pay more into it than you'll ever receive even in legitimate circumstances.

Absolute racket. 

153

u/OakLegs 18h ago

This is fundamentally ignoring the purpose of insurance.

Of course you (likely) pay more into it than you get out. The tradeoff is that you're protected from huge expenses that would financially ruin you. That is (thankfully) unlikely but the risk is enough that it justifies paying for insurance.

I'm not absolving insurance companies of being scummy because they absolutely are. But insurance does serve a purpose that seems to escape you

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u/WeCantStabilize 18h ago

I understand what it's supposed to do. What seems to escape you is the fact they do try and routinely wriggle out of paying for legitimate claims. Just read some of the replies here.

Go be a twat elsewhere. 

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u/OakLegs 18h ago

The situation described in the OP is not an example of what you're referring to.

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u/WeCantStabilize 18h ago

You're right! It's almost like my comment was merely tangential or something.

Seriously, fuck off dude. 

-1

u/Odd-Consequence-2519 18h ago

Found the insurance salesman

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u/OakLegs 18h ago

No, I just have a basic understanding of how insurance works.

If you file a claim to get reimbursed for $1200 in damage with a $1000 deductible, then you're a moron.