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Originally Posted by Ourcrazymodern?
Insurance has always been a scam.
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Scam? Nahhh.
Necessary evil? You betcha.
Consider...I've been driving forrrr...what? 29 years now. The last reportable accident that I had was in 1979. My last
moving violation was 1988? 1989? Somewhere around there. I was rearended about 14 years ago, but his insurance obviously paid as I was not at fault. Not too shabby a driving record, eh? *knock wood* But I still have to watch, every month, as my insurance company takes another 100 bucks. Hell...they should be paying
me by now, just to keep my business.
Still...you have to have it. The second that you don't? Fate introduces you to a man named Murphey. So, I keep my insurance, not because I'm being scammed...but because I have no interest in losing everything I own because of a bad 2 seconds in my day.
Call it..."peace of mind".
Homeowner's? Same thing. Never once have I made a claim. Still pay it.
Health Insurance? Hardly ever. I rarely go the doctor. Although, I did end up on the losing end of a battle of wits with a box knife a couple of years ago. Insurance paid to stich up the boo-boo on my finger and the tetanus shot, since I hadn't had one in 24 years. (I told you...I don't go to the doctor)