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Originally Posted by rahl
yes they are no matter how many times u say they're not. if u have damage to your automobile before u have coverage u can't expect them to cover it. if they are forced to cover it that creates an adverse selection sotuation. premiums will have to rise to compensate for the increased exposure that the insurance company will face. that is reality...ignore it all u want but that doesn't change what is
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Except that you are comparing apples and oranges. Exclusion from preexisting conditions is not refusing to pay retroactive coverage of existing damages, but additional charges stemming from a known problem. And it is not the same because the risk distribution is not the same. Everybody will get sick and die. Not everyone will get their car stolen or be involved in an accident.
Because EVERYONE will get sick or die, the issue of risk segmentation is completely different, especially when you figure in employer based health insurance.