On every single professional sports game I’ve ever seen, every single show, every single channel. Isn’t this our fucking money you’re meant to give out should, god forbid, something happen?

Why is it even legal to do this? Blowing this money on CONSTANT, DUMB fucking little fucking cutesy fucking skits, not even trying to fucking pitch anything anymore, just burning money on TV and laughing at us while the fucking lemur does epic bants. it makes me so fucking sick, these people should be chained in the dungeons for the rest of their lives.

It’s illegal to not have car insurance so why the fuck do they think we need to see this constant fucking microwaved vomit fucking garbage every fucking second every fucking show every fucking channel??

thank you

  • Cagi@lemmy.ca
    1·
    7 months ago

    I live in Canada and used to work as an adjuster and dated an American broker. There are many good insurers in the US, none of them advertise. Go to an honest broker and they’ll tell you about those boring good ones.

    The differences in our systems were astonishing. Those advertised insurers let you go around with basically no coverage. I can’t believe your minimum third party liability amounts, especially considering the crazy medical costs in your country. It’s just over a tenth of the minimum we allow in my province, and we have socialized health care and more robust social safety nets. A serious accident will ruin you for life if you take that cockney lizard’s policy. He’s a scam artist from the mean streets of London.

      • Cagi@lemmy.ca
        1·
        3 months ago

        Here in BC we have a minimum of $200,000 liability insurance. We don’t separate based on property or injury, 200k covers all. But only low income drivers stop at 200K, $3Million is the most common liability amount. If you end up accidentally crippling a kid, you will require every penny that 3million. We don’t advertise our insurance at all. Insurers must have a reserve on hand to cover every single outstanding claim plus 10 million, I’m not sure what those numbers are in the US, it wouldn’t surprise me if they were much more lax. The Insurance Act of BC is a beautiful piece of legislation with the insured’s best interest in mind, not the insurer’s shareholders.

    • Rentlar@lemmy.ca
      0·
      7 months ago

      I’m nowhere close to the insurance industry but I had sort of noticed from various stories.

      The idea I had of what insurance is supposed to do seems to be based on how it works in Canada. If you want to take a big risk on losing your car, home, license or whatever then paying insurance even a high amount make sense.

      Comparitively in the US, particularly in healthcare you seem screwed whether you get insurance or not. Americans get the freedom to pay hundreds of dollars a month, just to have to pay a minimum of more thousands if something does happen. In Canada, we don’t have universal dental yet and a full checkup, xray, cleaning and fluoride without insurance is about 600 CAD or ~440USD. I don’t know how much dental costs down South…

      • Cagi@lemmy.ca
        0·
        7 months ago

        Yeah, insurance is a fundamental, necessary piece of civilization and has existed since before Hammurabi. But it has also been abused by profiteers since then too, and it’s not always easy to tell the difference. In a cut-throat, free market, capitalist driven economy, the incentive is to cover nothing for high premiums. A scam, essentially. Add a law where corporations are people and unlimited political donations is free speech and you’ll have enourmous pressure put on politicians to keep the insurance industry unregulated (except making buying it mandatory). Thus Geiko is allowed to exist. Lower premiums, but you are essentially uninsured for anything more than a minor fender bender. Paying premiums for nothing. This is bad for everyone involved in an accident except the insurance companies.