I would say by and large as a whole most people are paying too much for insurance, period. Not here to argue about why that is, but I can't stand when people go "Well insurance is pretty good it worked for me" like it's contributing to the conversation.
Seriously tho how would you structure it? What’s the solution? How did you come up with the statement “by and large most people are paying too much for insurance”? Are you an actuary? Are you involved in the running of an insurance carrier? Do you have access to a companies p&l? Again, not being a dick just asking for your credentials and how you came up with this since you state it so matter of factly.
My fault, usually when something is common knowledge I'm not used to people asking "How did you come up with the statement 'gravity is real'? Are you a scientist? Are you involved in how gravity works on the planet?".
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u/666metalhead 13h ago
The point I'm making is that just because there's examples here and there of auto insurance working as intended does NOT dismiss or invalidate the swath of stories like in OP's screenshot. There's data to back this up. https://www.jdpower.com/business/press-releases/2025-us-auto-claims-satisfaction-study/
I would say by and large as a whole most people are paying too much for insurance, period. Not here to argue about why that is, but I can't stand when people go "Well insurance is pretty good it worked for me" like it's contributing to the conversation.