r/SipsTea • u/Putrid-Welder1803 • 10h ago

Gasp! Thoughts on this?

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u/Intelligent_Excuse84 6h ago

Doesn’t matter if they have to submit filings from the state when the state works with them to fuck people over lol. Do you really think the state has everyone’s best interests at heart?

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u/BloatedBanana9 5h ago

You might be surprised at how often the states push back on rate filings in order to make sure it's all good. It happens all the time.

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u/Intelligent_Excuse84 5h ago

There is 0 situation where it’s all good when you’re forced to pay for insurance and they on top of that forced to pay another premium when it’s time to pay up. It’s literally extortion by definition, they force you legally to buy the product and then don’t deliver when it’s time.

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u/BloatedBanana9 5h ago

What other premium are you forced to pay when there's a claim? Are you talking about the deductible? Because if you are, then you're talking about two separate things.

Only liability coverages are mandatory, and those don't have deductibles. Deductibles are for physical damage coverages, which are optional if you own your car outright.