Has there ever been a bigger and more kiked scam in all of history than (((insurance)))?
>>545167196That's why you file it as an "uninsured driver" claim
insurance isnt to cover your cars damage, its to cover the damage you cause.i have zero coverage on my car because i dont get in accidents. I have the legally required coverage if i hit someone and paralyze them for life.
Health insurance is way more kiked than car insurance. No, I will not elaborate
>>545167196Shareholders demand their tribute, peasant.
>>545167196>2000 years of christian western civilization history>not once did christian men question their central banking governing systems christians, explain yourselves
>>545167196It should be illegal for those kikes not to pay and to raise your rates. You should sign a contract that determines what you pay and what they owe you for what you paid, no altering the deal in the middle of it. That's pure Jewry. They should have to wait until the terms expire to raise rates, and then the insured could just shop around for better offers.
>>545167463What makes you think theyre "Christian"? Nothing about western men says Christ followers. They behave just like Jews.
>>545167196Leo is a retard.Don't be like Leo.
>>545167443I will. For your entire working life pay over $1k a month in premiums for your insurance to the for profit owned by shareholder insurance company. You pay a high deductible each year of several thousand dollars before your coverage kicks in, after which, they will only cover a % of your medical bills and only if you go to their approved doctors and get their approved procedures. They will only cover certain drugs. They routinely deny coverage as it would cut into their profitability. They attach your policies to your place of work to force you to keep working jobs you hate and ensure you keep paying because you cannot afford to pay for insurance out of pocket. Once you hit 65, and their risk of you starting to costing them money due to increased health issues... well you get forced to get on Medicaid, which is funded by taxpayers. Bank money on your healthy years and you become everyone elses problem if you get old and sick. These blood sucking jew companies bank $$$Billions a year in profits off your premiums and denying expensive claims. Biggest fucking jewish scam on the planet. Obama was so kiked, he passed a law that FORCED you to participate in this jewish scam and blocked cross state risk pooling that could have lowered premiums. Trump is so kiked he only talks about doing something different but never will cause the lobby pays him to just give it lip service.
>>545167196Central Banking
>>545167196>Has there ever been a bigger and more kiked scam in all of history than (((insurance)))?Collision insurance generally sucks; but you need liability insurance. If you hit some dude with a car and put him in a wheelchair and you don't have insurance than he's going to take everything you own to pay his medical bills.
>>545167336it's low six figures.t. mother was killed by a faggot on his phone
>>545167196What's worse is if you never even get into an accident and cancel your insurance, you don't get ANY of that money back. They have the best scam in existance, they just keep getting money and only have to pay out when they can't find a loophole to fuck you over.
>>545171179cool it adolf leafler
>>545167196Crypto and AI but they are not even close
Might be different in other cunt trees, but car insurance is genuinely the least scammy form of insurance, plenty of years they run on a loss. I’ve seen figures for a lot of products, so far the most ripped off fucks were probably either yoga instructors or professional photographers.
>>545167196Of course this never happened. In any event, only idiots buy auto insurance to pay for damage to their car.
>>545167196Oh look it's baby's first jewish scheme.
>>545171146>diedThere’s your problem, much bigger settlements if there’s a cripple that needs money for the rest of their life.
>>545171146Sorry to hear that anon
>>545171230No fuck that. There should be a user account that you pay into monthly or yearly. If you are a good driver your rates should go down and your "return on cancel" should go up. Obviously they should keep some of your money to pay for book keeping and service, but if you cancel your account after decades of 0 accidents or claims, you should be untitled to at least 75% of what you paid into it back. If you made claims, that reduces your % and increases your rates, and if the accident was bad enough you might not get any money back, if your risk becomes too great you might lose your ability to even get insurance from anyone. This will encourage good driving, and punish bad driving.
>carfags btfo againnot my problem
>>545170125>You should sign a contract that determines what you pay and what they owe you for what you paid, no altering the deal in the middle of it.yeah no not anymore. my last job signed a 2yr contract for uniforms and carpet cleaning, the cleaners raised the price three times in a year and this was just taken as acceptable behaviour by every single other person i worked with or for
>>545167196Insurance is there for property and human damage YOU cause. Liability insurance is when someone fucks your whip up and they pay for the repairs, but if you cause the injury, you are fucked. Still jewish, but it keeps negros in check so they don't play bumper cars like they dance in a tribal party.
>>545170892>approved doctors and get their approved proceduresGo to the clinic we own and they in turn will exxaggerate their claims. Fuck we need everyone to become luigis.
>>545171646racist too? man, if you have oratory skills at all the (((establishment))) should be very afraid
>>545167196I don't mind insurance, was is kiked up is that you need a million policies to cover everything, it should be one fucking insurance to cover all and insurance companies should be working on margins instead of becoming multi billionaires just for taking your money. One insurance covers health, car, home, business, travel, etc, etc and should be like 200 bucks a month max and that if you're a wreckless nigger who gets on accidents, tickets and drinks like a sailor. If you haven't had a ticket in years or a medical check up, you shouldn't be paying more than 100 bucks tops.You're literally paying for kikes to rape your kids in the figurative and literal sense
>>545167196No, it truly is the most blatant scam of them all.>Give me money and if something happens to you we'll pay for it>Lol actually we're not paying for it because we decided we don't want to. No refunds!! :)When civilization collapses, insurancefags will be one of the very first to be hunted down and strung up by the neck.
>>545171566six figures wasnt enough to fill the empty chair at my wedding.six figures cant hold my son.
>>545167196OP is a faggot comprehensive is not required. And if the faggot had found the culprit he'd pay $0.
>>545167196It gets worse
>>545167196>high deductibleHe chose it lmfao >make claim >car insurance goes upStates like California have consumer protections against stuff like this but it depends on the nature of the claim Insurance is great.My dental and pet insurance have saved me thousands so far just in the last couple years. As in they have paid out far more than what I have paid to carry their insurance.All you have to do is read the fine print. You have so many companies and options to choose only absolute stupid fucking niggerfaggot retards cry about insurance LOL
>>545171901>sign up for a policy that doesn't allow extra drivers>have an extra drivers>HOW COULD THIS HAPPEN TO MERetard.
>>545171963The thing is if the kike industry didn't exist regular costs would be oh so much lower to the point you'd pay the same amount overall. The only difference is kikes would starve.
>>545167196This thread. Again....
>>545172016are you trying to give me a boner?
>pay your insurance goy
>>545167196and the white pigs you all love enforce the jews on you quite vigorously lolI love how white people have all of these grievances and can't put two and two togetherthe white cops that you worship force you into sucking government cock and obeying jewish law lol
>>545170892>> For your entire working life pay over $1k a month in premiumsuhhhh no. self pay. it's $170 to see a doctor. simple as that. if you break a leg go to the emergency room. they'll send you a bill. throw that in the trashonly suckers suck jew cock
>>545171850>six figures wasnt enough to fill the empty chair at my weddingWhat size bills were you using? If you used 1s or 5s, heck probably 10s even you could have made a money mannequin that would have filled that space easily.
>>545167196I cant speak for the rest of the world but in the Yookay it would literally be fine if they factored in race. I'm a late zoomer now and my car insurance rates after my many years no claims isn't that bad, but it fucks me off how I had to pay extortion to insure my shitty 2010 ford fiesta when I was young because I was in the same "age bracket" as retarded Pakis and niggers in the do balloons and crash their financed Audi RS's.
>>545171901I doubt this.>the next dayThat alone seems unlikely.>just because he connected his phoneHow does this prove he drove? Can a passenger not connect their phone?I dont like new cars but this sounds fake and gay.
>>545167196You pay so you can have your liability limited when you end up fucking something up. Virtually everywhere allows you to put up the state minimum as a surity bond, but in most cases the yearly insurance payment is going to be better since they'll rep you in court and shit too.
>>545167336In my cunt only third party injury is compulsory.
>>545167256is that even legal, it work even here
>>545172016I'm going to agree with you just because you said kike twice lmfao.Yeah no doubt things would be less expensive to the point it wouldn't be necessary. And for sure insurance is a kike game/scheme. Make Israel Palestine Again.
>>545172888 (checked)> yearly insurance payment is going to be better since they'll rep you in court and shit tooI’ve been hit a couple of times in the past few years. Both times it was women with GEICO. Those hooknosed hookworms tried to send me a lowball check each time. I told them to suck a dick and my insurance company got involved and got GEICO to pay to get everything fixed by the dealer and OEM parts. I had to pay a $200 deductible to my company to do this but it was worth it avoiding the hassle.
insurance only made sense when it was informal worker pools without any profit being madefor an insurance company to stay in business they have to be taking more money than they pay out to cover all their thousands of salaries and other overheadwhen someone does get a payout it's because other people, most of their customers, didn'tit's so transparently obvious that it's economic waste and a scam for 90% of customers but goyim are cattle and scared of large numbers
>>545167336>insurance isnt to cover your cars damage, its to cover the damage you cause.*liability* insurance is for that, you can get coverage on your car it's just more expensive. Thankfully I drive old cars and have a spotless driving record so I only pay $800 a year but even that is too much and I feel like I'm getting jewed. I went the entire year without getting into a wreck or getting stopped by a cop so it's literally just gambling. I could have just kept my money and drove last year without insurance.But 200 dollars a month and you don't have damage to your car covered? That's turbo jewery.
>>545171024>If you hit some dude with a car and put him in a wheelchair and you don't have insurance than he's going to take everything you own to pay his medical bills.what's the issue here? you fuck around, you find outif anything, insurance protects retards that should starve to death and be removed from the genepool. fucking enablers
>>545167336>its to cover the damage you causeAre you retarded? Someone else, who presumably also had insurrance, hit him causing said damage. So where does the money go if not to cover the damage.
>>545167196Car insurance is for if your car is totalled or suffers major damage. If you file a claim you should be getting a big check for the full value of your car. It's not for piddly little shit like a bumper, just save yourself the headache and pay for the fix yourself. If you don't like that, get liability-only covereage. Don't cry to me when some dumbass rear ends you, totals your car, and you $28,000 car ends up as a pile of scrap with no insurance check
>>545174564>At fault accident going through your own insurance Because something doesn't add up there in mr reddits recollection. What actually happened is having no uninsured motorist coverage or being a complete retard and letting a cop write up the incident as no fault, turning getting hit while parked into the same thing as making a claim for hitting a pole through your collision insurance. But why is insurance actually 4 different insurances you ask? (((Why))) Indeed but also so niggas drive around with state minimums at $99.99 a month for basic collision to not get arrested instead of no coverage at all at when center punching your car through a red light. But that established a price floor so normal people insurance is $300+ to actually pay for the accident that "insured" guy caused.
>>545172799Third party information providers are under no obligation to provide truthful information to insurance companies.
>>545167336I have everything covered because cocksmokers run into parked cars and just leave. Plus there are a lot of uninsured illegals on the road. Car insurance rates have skyrocketed over the last few years because governments don’t prosecute traffic crimes seriously after the Chimpening.So nogs who repeatedly drive without a license or insurance are back on the street in no time. Car theft rings are running wild too.
>>545175233I should have concluded that the cost of damages these irresponsible people are borne by the rest of the insurance pool, ie paying customers.
>>545170125My rate got lowered because I have a high credit rating and no major accidents.
I got 16k payout on a 1998 class a motorhome so whatever. Full coverage is 60 bucks for me
>>545171901>redditor leftist shitbag is worried about the survellaince statebut without the benevolent corporations how will we strongarm consumers into accepting social justice? how will we achieve ultimate progress unless Aflac can leverage the power of the state to punish dissent?
>>545167196Nah.Had a neighbors tree fall on my parents house a few years ago, despite them both having the same insurance company and never making a claim in 15 years the company fought me tooth and nail and then gave 1/10th of what it cost to repair, followed up with saying you could sue to get the rest but you'd pay more than you'd get in legal fees, and subsequently dropped their coverage after.Kike shit, every form of insurance needs to be offered by the government or else it breeds perverse incentives to deny payouts.
>>545167196The biggest scam, and this is true for all insurance, is that they are basically massive mutual funds. They operate on a loss ratio of 50-60%, but they invest nearly 100% of premiums and reap all of the returns without ever using that to subsidize your premiums or payouts.
Insurance is a real thing and a lot of businesses couldn't function without it, like when you read history books the rise of it comes across as part of the development of capitalism and modernity and such. Managing risk is important.it's been turned into a scam in America because everything in America is a scam, but I think the underlying concept still has value
>>545176388yes but you can clearly understand the internal logic of how it became a scam and then you ask yourself if that seed was present in the concept from the very beginning and destined to grow in any case
>>545167196And if you don't buy it in many states you go to jail like a bad goy. And all the underwriters are sketchy companies registered in Belize and the Caymans so the CIA can push them around
Student loans are worse.
>>545167196You got lied to about what insurance exists for. Anything above strict liability which is typically the legal requirement to drive out on the road is an instant loan service so you can be generally uninterrupted in your life by the wreck, it's not a fucking free money source that you hit the jackpot on if some retard hits your car. In 99% of cases you are the one who ends up paying back what you pull out whether through a sky high deductible or through hiked premiums for the following years. That money isn't free, it's effectively a loan with a terrible interest rate. The day you stop thinking of insurance as a magic slot machine is the day you can nolonger get scammed by it.
>>545167196I pay for the bare minimum required by lawit's like 35 a month
>>545171850I feel for you anon. My condolences.
>>545176591Only one state, my state, doesn't require insurance or bond. As a result, car insurance is dirt cheap. Also, medical debt is uncollectable here which is pretty great and the major hospitals don't really care because they all participate in the non-profit scam.
>>545167196There's a reason why they had to lobby the government to FORCE to you have insurance.Its state sanctioned racketeering. >>545170125If it wasn't profitable their industry wouldn't exist. Someone's got to eat shit and is the person whose forced to pay for it either way.
corporations insurethe living indemnify
>>545167196its all grifting before the collapse. Movies, video games, tv are all using nostalgia to grift everyone out of money, why create new IPs when AI will bring down the grid, civil war or ww3? nothing new is being made and nothing of value is being offered, everyone is min/maxing, saving, consolidating until whatever bullshit they do happens. You best bet is do the same, get the absolute lowest car insurance, they will pull this bullshit anyways might as well save the premium money and use it to pay for a repair, same with health insurance, get the lowest free tier and save what would have been the payments in an account, use that and ask for cash price for whatever or cover whatever the insurance doesn't.
>>545176680same. i don't give a shit and barely drive anyway since i'm an incel and don't leave the house much. paying three figures a month for insurance is insanity. i've heard of people paying as high as $400 a month. that's more than the entire annual policy on my shitbox kia lol. the normgroid mind is an inscrutable black box. nothing gets in and nothing escapes
>>545167463The mans not wrong.Most people are retarded and can't think beyond their own nose.
>>545167336>saar saar you must be of paying us 10 million rupplesteindollars in case you ever do even one dollar of damage to our blupper blooper fucking kikes every fucking time
>>545176970Economy is war. Keep your morale up man. Surely things are not as bad as they seem. A smile is free.
>>545172147wypipo are not a monolith chinkopakoid.youre a profoundly retarded non. too stupid and primitive to understand "wypipo" so you superimpose your own tribalistic views onto us.at the core, the white man is a political (civilized) creature. something utterly foreign the (You)
>>545167463This is AI slop for the boomers out there
>>545176680that's fucking wild. why is mine 120/month for minimum on a 1999 lexus
>>545167196No this is a huge scam
>>545167443This. Especially in the JEWSA
>>545171146skill issue
>>545167196Just don't pay it. In the unlikely event that a cop pulls you over and you dont have proof of insurance you just pay a fine of like $500.
>>545171819Everybody online knows about Canada's 'free' healthcare (not free as we are taxed to the tits well over 50% depending on what you make). It is socialized health care.They may or not know that this model leads to shitty care, from overcrowded hospitals and systems. Not unusual to wait 6 months to multiple years for a specialist appointment. Almost all surgeries are years out.I don't know how good healthcare is in British Columbia, I assume better than Manitoba where I live. But I understand that BC people are expected to pay small premiums towards their health care. Nothing crazy, but enough to supplement the system. And if you are truly low income then it's full subsidy. I wonder if that type of system is better than a Province like mine where people who don't even pay taxes overload the system and then bitch about the results.Any BC bros wanna chime in? I don't expect you to compare to MB if you have no frame of reference, but is BC Health considered a decent organization or is it just as bad as everywhere else?
>>545167196only poor people buy insurance. personally I'm bonded.
>>545175078How do I get this mythical $100 per month car insurance? Is my complexion too pale for me to be eligible for it?
>>545167196most states allow you to put up a set dollar amount then you never have to deal with an insurance company again. where i live it's like $70k. you can even get a surety bond for it and pay less than you would for liability insurance
>>545178222Stop leasing new cars or buying shit on the bank's dime dumbass.
>>545178332HOOOOOOOOOOLLLLYYY SHIT MY FELLOW PEDES IM BOOOOTSTRAPPING
>>545178604Ask your mom about insurance requirements for leased/financed cars before she goes to bed. She'll probably be willing to explain it to you retard.
>>545167196I was driving without insurance for 5 months. I saved a lot of money doing this.
>>545170383>Nothing about western men says Christ followers>They behave just like Jewsright so christians
>random time of the year my parents place floods pretty bad, like knee deep statgnant water cause the canals were filled to the brim from other places >their house is up on blocks due to this so no water in the house>water finally dries up after like 3 weeks and they go to get flood insurance just in case>"oh yeah it's a good idea to get flood insurance," says the state farm rep>"oooohhhh....I can't sell you flood insurance.">why no?>cause where you live floods......That's when I knew most insurance is just a scam.
Why do insurance companies get to be the arbiter of whether you get a payout or not? Isn't that kind of disingenuous? The very company who makes a profit by denying your claim, is the arbiter over your claim.
>>545171658Fake
just dont have insurance kek>wtf you need to pay>ok here's $0 HAHAHAHAHAjust dont pay lmao
The 2026 Brazil Presidential Election Second and Final Round, which took place in October 25, had the time limit officially set to be from 08:00 until 17:00 and to need fingerprint scanning to be permitted to vote.Lula secretly ordered a judge from the STF (Supreme Justice Court of Brazil), a judge that Lula, himself, chose to be in office, Cristiano Zanin, to extend the voting time limit to until 19:00, but only in regions of Brazil in which Lula is more popular, such as the Northeast and North, and to allow 8.632 million people mostly from these regions to vote without fingerprint scanning, which is a process that, when used, might be a slow process in recognizing who that person is, depending on the condition of one's finger skin, by just showing some identification card to the election worker, with the intent of making the voting much faster in these regions, as people usually wait in long queues for their turn to vote. In many cities, the voting continued even after the time limit of 19:00. The STF judges have this level of power in Brazil. It was Lula who chose most of the STF judges.In October 4 (First Round):Lula: 53.879 million votesFlavio Bolsonaro: 56.104 million votesIn October 25 (Second, Final Round): Lula: 64.256 million votesFlavio Bolsonaro: 59.826 million votesFrom the First Round to the Second Round, Lula's votes had increased in 10.377 million, making him win by surpassing in 4.430 million votes the adversary Flavio Bolsonaro, which was leading in the First Round.As the STF is against Flavio Bolsonaro, Flavio Bolsonaro never really had the chance of becoming the Brazil's President.Time for a regime change in Brazil.HELP US OVERTHROW LULA AND THE STF FROM THE POWER IN BRAZIL.
>>545179612FRAUD IN BRAZIL 2026 ELECTIONS
>>545179666High definition
Income tax, insurance and interest are jewish grifts built into our system. How much of your wages are consumed with these three? Your dollar has been devalued by how much? How is this not slavery?
>>545173945I think if you cant figure it out, then you’re likely indian and thus nobody should tell you.
>>545179565you basement dwelling tardthe jews made it illegal to drive without insurance
>>545167196In principle insurance is a great idea.In many cases it works. But mandatory insurance like car insurance just fucks over the buyer. You should be able to buy a policy for a flat price and then have it untill it is used.
There was one guy here who spoke about the insurance scam. He was the omly one among estanlished politicians. They gave him cancer and killed him for his trouble. His glowie widow is mayor of toronto
>>545178648YUP THESE ZOOMERS DON'T KNOW ABOUT BOOTSTRAPSNO SYSTEMIC PROBLEMS HERE NO SIRREEE
Get a motion sensor dashcam
>>545167463Seeing this makes me realize that hating jews is wrong. You should hate your parents. No lies were detected. Just an outpouring of love from elders. You can receive this as an insult or you can receive it as a call for change. He said nothing wrong. Your parents tell you to pick yourselves up by the bootstraps. And your parents want you to suffer as they suffered. It's sick. It sets you up to fail and hate life. The Jew didn't do this. Your father did. Trying to teach you "muh self sufficiency"
>>545178648He could just ask your mom since he’s at her house right now
>>545167196The deductible is so you don't exploit the system and put claims in willy nilly
