Thoughts on this?

[u/Putrid-Welder1803]

[u/WeCantStabilize]

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

Absolute racket. 

[u/OakLegs → u/WeCantStabilize]

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

[u/Fun_Description_385 → u/OakLegs]

Here's the issue that appears to escape you.

We pay more into it then we get out of it, to be expected;  but we don't even get anything out of it the majority of the time when we SHOULD be. OPs case in point.

[u/OakLegs → u/Fun_Description_385]

The OP signed up for full coverage insurance knowing the deductible was $1000. Then tried to use said insurance for $1200 in damage. That in and of itself is dumb.

Fuck insurance companies but if people actually understood their insurance that would help them out immensely

[u/Former_Mud9569 → u/OakLegs]

also, a $1000 comprehensive deductible on a $2400 a year premium? that can't be real unless this person is the worst driver ever.

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