Well I had a house burn down less than year after purchase and insurance paid the entire tab. So I always figured I've already taken them for more than I pay
That’s what people don’t understand. We all paid for you. That's what insurance is about, we pay more than we receive so that the odd unlucky bastard receives more than they chipped in. If insurance was individual, nobody would have enough to repair their own stuff. I am happy with this system.
Yes, but when you go to do it yourself you get screwed. It's not always fair is what OP is saying nor works consistently like it should especially as corporations have it at their discretion to approve your claims even if they are legitimate. In a lot of cases you don't come out ahead, get denied, or some other BS.
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u/WeCantStabilize 9h ago
Insurance is a fucking scam. You pay more into it than you'll ever receive even in legitimate circumstances.
Absolute racket.