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baggachipz@sh.itjust.works ⁨1⁩ ⁨day⁩ ago

Insurance isn’t a joke, it’s a giant scam. Their entire business model is to give you less than you put in. And they make insane amounts of money doing it. No choice though, as it is basically legally required to exist in society.

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planish@sh.itjust.works ⁨1⁩ ⁨day⁩ ago
Insurance being a negative expected value isn’t the scam. Insurance not paying for the thing you bought the insurance to pay for is the scam. They’re supposed to be working from the same agreement you’re working from, not some other one they made up that’s worse for you at random.

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shalafi@lemmy.world ⁨1⁩ ⁨day⁩ ago
Most insurance companies see very slim margins, it’s just that even slim profits stack when you have millions of customers.

Plus, they have to put fat money in the bank to covers disasters. Problem being, after too many disasters they pull out of your state (America). I don’t know the fix. I don’t want to pay for California wildfires anymore than they want to pay for our hurricanes. I see a global warming future where we won’t be able to get insurance unless it’s a crappy government deal.

Hell, maybe that will be better. At least the government has to follow the rules they set, can’t wiggle out of payments like private enterprise.

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- JasonDJ@lemmy.zip ⁨1⁩ ⁨day⁩ ago
  
  At least the government has to follow the rules they set, can’t wiggle out of payments like private enterprise.
  
  Oh my sweet summer child.
  
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  - shalafi@lemmy.world ⁨1⁩ ⁨day⁩ ago
    LOL, I get you! But at the day-to-day bureaucrat level, there’s no, “Let me talk to your manager!” The rules are the rules, no matter if they’re insane in your particular case, the bureaucrat cannot make exceptions. Which is my pet theory as to why so many hate the government.
    
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    JasonDJ@lemmy.zip ⁨1⁩ ⁨day⁩ ago
    Sometimes the rules are just dumb.
    
    Ooh I’ve got a couple fun “fucking bureaucracy” stories with the MA RMV and the RI DMV…
    
    I bought a car in MA in 2014. Lived in RI at the time. Registered it in RI, paid RI sales tax at the dealer to register it. As one does. You cannot register a car without paying the tax.
    
    Owned it for 4 or 5 years when I moved to MA. When I tried to register it here, they wanted me to pay sales tax on the original purchase price in MA. That’s the law, unless I could prove that I paid RI sales tax.
    
    “It was registered in RI by the dealer, ipso facto I must’ve paid tax” wasn’t enough. I needed a form from the dealer.
    
    I had my original paperwork all in a file at home. None of the documents were what they were looking for.
    
    The dealership was still there, but had changed hands in the interim. I called every day for like 2 weeks trying to see if they could find the form. “We will give you a call in the morning”. I had to call them in the afternoon because they never called me.
    
    Eventually, I’m pretty sure they just forged the form to get me to stop calling them. Whatever, it was enough to let me register the car without paying tax on a 6 year old car, based on the value of when it was 1 year old.
    
    When I was a teen, my dad bought an old Datsun off some guy off Craigslist as a project car. It wasn’t even in one piece. It was immobile, hadn’t been started in years. Squirrel den. Came with about 3 pallets stacked a good 4-5 feet high full of parts.
    
    It was an antique (by state law, 25 years old) when he bought it. I’m pretty sure when we bought it, the law was that cars over 10 years old could be registered without a title. I may be mistaken.
    
    This car…did not have a title. And it was not at all road-worthy, so registering it was never on his radar.
    
    We worked on it for quite a while over the course of…probably a couple of years. Eventually got it quite road worthy and street legal and looking quite good.
    
    By the time we went to register it, though, the title was now needed. The bill of sale from prior to that law didn’t matter. Title was necessary.
    
    The guy that he bought the car from was dead. Like, actually dead, we tried to track him down to see if possibly he had it, and all we could find was his obit.
    
    So now he has this car with a couple of years of our blood, sweat, and tears in it…and the DMV is saying it can’t be driven.
    
    I’m not really sure how he ended up resolving that. I think he just shared his story with enough of his circle (pre-Facebook) that he found “a guy who knows a guy” who helped him grease the right palms. Typical Rhode Island.
    
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