!@*&^#%$ INSURANCE COMPANIES AND THEir Victims

[govtconspiracy]

Just watched an elderly couple who had lost their home to a rain instigated mudslide; their flood insurance wouldn't cover it. How long until the revolt? Are we all tuning into passive little trained "monkeys" (Chris Walken in THe Prophecy).

[2NaFish]

it was a mudslide, not a flood. what do you want from them?

Anyway, its all made worthwhile by the comedy effect of churches that get destroyed and have no insurance against 'Acts of God'. The ironing is delicious

[govtconspiracy]

That is a great Irony, I was trying to make the point about the letter of the law being bullshit.

[dman1991]

They did this with hurricane katrina, saying that most of the damage was caused by wind, not flooding, and citing the fact that wind damage is not included in home owners insurance.  Its fucked, you hire and insurance agent, hes supposed to be working for you, he tells you if your home is ruined then your covered, though he fails to mention that there is like 15000 different ways your damage can be categorized, and that you only signed up for flood or fire damage.     


But, bitching will get us nowhere, insurance companies are protected by numerous laws, and unless people(not politicians) do something, it will never change.

[2NaFish]

That is a great Irony, I was trying to make the point about the letter of the law being bullshit.

its not the letter or the law. the people signed (i assume) a contract insuring them against flood damage. unfortunately, they didnt get a flood, they got a mudslide. if they wanted to be covered against mudslides they should've got that as well.

i'm not saying its a good thing, but if insurance companies paid out just because your insurance sort-of-but-not-really covers it then they'd be pretty fucked.

[govtconspiracy]

That idea is what empowers them to begin with....it sounds to me like you work in insurance and believe that it is right to do people like that, which is bullshit. It's all about the money. The rich get richer because of politicians make laws that enable them to rape our rights. If you wreck into a car, which in turn, plows into a farmers field and burns his crops to the ground...the circumstances state that the farmer has to sue to get his livelyhood back into his house.....Hmmmm. Liability is minimal on the car, fire insurance won't cover unless there is a full policy stating that it is not limited to an act of god, homeowners just doesn't cover it. You see, I know what they already do to fuck us and defending them only pulls away from my subject which is an angervent for the victims and the people who see how wrong it is. Insurance companies need to sell policies as they really are:

a. Bank protection policy
b. Flood but nothing stemming from a policy
c. Fire but only if it is caused by one of our definitions policy (exclude arson be real)
d. Wind but not if its a tornado policy
e. Terrorist insurance unless it is more than one Policy

The point is: Where does it end and when do the people correct the fat cats.

I guess it has to go along with the 'til death do us part clause at a wedding vs The divorce rate.

[sunnyp]

I'm in!

[dman1991]

its not the letter or the law. the people signed (i assume) a contract insuring them against flood damage. unfortunately, they didnt get a flood, they got a mudslide. if they wanted to be covered against mudslides they should've got that as well.

i'm not saying its a good thing, but if insurance companies paid out just because your insurance sort-of-but-not-really covers it then they'd be pretty fucked.

no they wouldnt.  No matter what everyone needs some sort of insurance, there is a bottomless bag of money they are able to reach into.  Millions of people are paying for insurance everyday and never using it, this money goes directly into the companys profit.  With the infinite amount of resource they have to utilize, you would think human beings who run it would be able to find a more ethical compromise for their customers then the gray area excuse they so often rely on. 

Imagine youve paid insurance for 20 years on your home then come to realize that because of some bullshit termite clause on structural damage gives the insurance company the right say an earthquake may not be the reason your house crumbled to the ground, so therefore your claim is denied. 

[govtconspiracy]

Well said
 

[Karin_Sixx]

It's not difficult to understand, as sad as it it, they had flood insurance, not mudslide insurance. In regards to 'the bottomless bag of money', an insurance company cannot pay out left right and center for cases that are kinda like floods, for example, mudslides, hurricanes, tornados etc. This is just one case out of many, they have to stick to the rules for everyone, and they are a business, you can't just go giving money away.

[dman1991]

It's not difficult to understand, as sad as it it, they had flood insurance, not mudslide insurance. In regards to 'the bottomless bag of money', an insurance company cannot pay out left right and center for cases that are kinda like floods, for example, mudslides, hurricanes, tornados etc. This is just one case out of many, they have to stick to the rules for everyone, and they are a business, you can't just go giving money away.

I think of it in the way that they gave all this money to the company for a flood, but since there house was destroyed by some bi-product of water accumulation all they money that they gave means nothing.  They  put there money on black and came up red, gambled and lost, I just dont find it morally just the same rules for the house in 21 or roulette could be applied to home owners insurance.

I understand your side of it, the rules are on the table, but come on, mudslide insurance(i wanna know how many people have mudslide insurance), people and businesses are allowed to give breaks, it wont make or break anyone or anything to make a few exceptions based on the situation, absolutes are not always the best way to deal with a situation.

 They may be "right" according to "their" policy, but that doesnt mean rules cant or shouldnt change.

[govtconspiracy]

Mudslide insurance......If they only had moron insurance we would all be safe. Its like the chick that says no in the middle of a blowjob and the guy who sees nothing wrong with picking your pocket because there was a no wallet rule that you didn't adhere to. Mud fucking slide insurance ...hmmmm debate the fact of I can read a copout...It's like police having probable cause to search and seize....its a convenience and the business makes more money than any other for something that you can't hold in your hand (a Promise). Peace of mind like that we can all live without.

[govtconspiracy]

It's not difficult to understand, as sad as it it, they had flood insurance, not mudslide insurance. In regards to 'the bottomless bag of money', an insurance company cannot pay out left right and center for cases that are kinda like floods, for example, mudslides, hurricanes, tornados etc. This is just one case out of many, they have to stick to the rules for everyone, and they are a business, you can't just go giving money away.

It's not that we don't get it muffy... it's that we do. Did you write the rules...If you did; be a Jane for life if you didn't; dont defend a rob from everybody industry that preys on the hard working people of this great country. Jeez having to get this point across is like telling a muslim that Blowing up innocent people is bad. Reply when you have to battle an insurance company over a super fine print clause that won't pay for your roof if it rains....BTW it's raining.

[Karin_Sixx]

You're a moron. Mudslides don't just happen anywhere, there must have been some kind of insurance for mudslides in that area, neither of us know the in's and outs of the story, so why bother even talking about it.

To the people that don't get it, insurance companies are businesses, they don't just give away money. How can you be surprised?