"it should be called in case shit happens"


whoever came up with the concept of insurance is genius


just buy a bike

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05 Cannondale R700 Triple

don't u need your car?

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Originally posted by h0tsweetbabyd0l don't u need your car?

nah, i can walk to work, its like a 2 min walk down the street.

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Get Killed.
Get Noticed.
Keine Schoenheit Ohne Gefahr

good so your car is more or less useless

it depends on what kind of car you have..

as a male ages 18-25 our insurance is waaaayyy up there

i drive a '90 integra and the insurance is $200/mo

you think its useless now, but wait until you are bowling with your friends and you come out to your car to find some jackass did a hit and run to your rear end!!

the shitty part was, i still had to pay the deductible of $300

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quote:

Originally posted by Zenchowdah holy shit, i hate these people, and the concept of insurance altogether. You HAVE to have it, but dont use it or else your premium will go up. it costs ungodly amounts of money to those least able to afford it. (im friggin 18, i cant afford to pay 342.00/mo to some jackass so i can drive my car) the generalizations, good god, the generalizations. ive never had a speeding ticket, however, since i am an 18 yr old male i am the worst driver to defile the roads, i race, i burn out my tires, i hit old ladies for a good laugh, and i often ram police cars when i find myself unhappy. insurance is bulllllllllllshittttttttttttttttttttt and i hate them. im cancelling my insurance tomorrow and taking my car off the road

If you really want to know how insurance companies determine the cost of your insurance then I suggest you check out the following.Understanding Insurance

This is for auto insurance in Ontario however, the concepts are the same world wide.

The general public does not take the time to actually understand insurance....all they know is they have to buy insurance....a little research can teach us all a thing or two.

quote:

Originally posted by Zenchowdah holy shit, i hate these people, and the concept of insurance altogether. You HAVE to have it, but dont use it or else your premium will go up. it costs ungodly amounts of money to those least able to afford it. (im friggin 18, i cant afford to pay 342.00/mo to some jackass so i can drive my car) the generalizations, good god, the generalizations. ive never had a speeding ticket, however, since i am an 18 yr old male i am the worst driver to defile the roads, i race, i burn out my tires, i hit old ladies for a good laugh, and i often ram police cars when i find myself unhappy. insurance is bulllllllllllshittttttttttttttttttttt and i hate them. im cancelling my insurance tomorrow and taking my car off the road

If you want to know what insurance is for I suggest that you get into an accident, fracture a 21 year old's pelvis in 4 places, shatter her 4th lumbar vertabre (causing nerve damage making it impossible for her to urinate or have a bowel movement without manual stimulation of the colon or bladder), fracture her humerus, fracture her talus, and shattering her hip (resulting in one leg being 2 inches shorter then the other), thus ensuring she cannot work ever (because she can neither stand or sit for more then 10 minutes). Oddly enough, your "useless" insurance company will pay to defend you and pay the $1,000,000 settlement on your behalf. The good thing about this is that you will not have to sell everything you own and then pay 50% of your wages for the rest of your life to this young woman. Makes the $200/month seem worthwhile doesn't it?

FYI, I'm an insurance adjuster, the above story is based on a claim I just settled. I deal with this sort of thing every day.... trust me, you don't want to be without insurance.

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Originally posted by RickyM you're just a shit version of Moral Hazard. At least he knows what he's talking about.

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Originally posted by pkcRAISTLIN lol, i love it when moral feels the need to lay the smack down

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Originally posted by Geoff "it should be called in case shit happens"

i beleive Chris Rock did say that in a stand up comic act... but it is totally true

quote:

Originally posted by Zenchowdah holy shit, i hate these people, and the concept of insurance altogether. You HAVE to have it, but dont use it or else your premium will go up. it costs ungodly amounts of money to those least able to afford it. (im friggin 18, i cant afford to pay 342.00/mo to some jackass so i can drive my car) the generalizations, good god, the generalizations. ive never had a speeding ticket, however, since i am an 18 yr old male i am the worst driver to defile the roads, i race, i burn out my tires, i hit old ladies for a good laugh, and i often ram police cars when i find myself unhappy. insurance is bulllllllllllshittttttttttttttttttttt and i hate them. im cancelling my insurance tomorrow and taking my car off the road

Wtf? $342/month? Where do you live? Most 18-25 yr old men need to pay like $1200 per year for car insurance.

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Originally posted by Psionic Wtf? $342/month? Where do you live? Most 18-25 yr old men need to pay like $1200 per year for car insurance.

Price may vary by coverage. At $342/month in Virgina I'm guessing he has collision, comprehensive (or all perils), and 1,000,000 liability.

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quote:

Originally posted by RickyM you're just a shit version of Moral Hazard. At least he knows what he's talking about.

quote:

Originally posted by pkcRAISTLIN lol, i love it when moral feels the need to lay the smack down

The simpsons said it best about insurance:

quote:

Marge: I'm sure your insurance will cover the house. Maude: Uh, well, no. Neddy doesn't believe in insurance. He considers it a form of gambling.

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[11:58] Bas //: fuck he's hot