Why is it apparently cool and fine for insurance companies to spend countless billions, trillions of our money constantly buying ad time?

Submitted ⁨⁨5⁩ ⁨months⁩ ago⁩ by ⁨_number8_@lemmy.world⁩ to ⁨nostupidquestions@lemmy.world⁩

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

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Comments

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IHadTwoCows@lemm.ee ⁨5⁩ ⁨months⁩ ago
I am in a particularly hateful state about insurance. My brother is an insurance broker in another state. My other brother is a right wing cuck who thinks capitalism makes everything the greatest it could be (trumper too, btw). My wife has worked all her life to pay into all the things and last April she suddenly lost her vision and her job and her shitty doctor didnt know how to treat her vertigo for seven years and fucking told her that only Jesus can fix her and now she’s fucked, broke, and today is asking me if I want a divorce so I wont be responsible for her debts or suicide.

If any if you fucking MAGA shitheads are reading this: you’re goddamn right America is a shitty country and you fucking assholes are the reason why.

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- cosmicrookie@lemmy.world ⁨5⁩ ⁨months⁩ ago
  If my doctor told me that my situation now is up to god, I’d change doctor immediately and report them to the national doctors association in my country.
  
  Hope you and your wife make the best of it nonetheless. So extreme listening to people who can’t demand or have the right to be treated for their issues!
  
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MushuChupacabra@lemmy.world ⁨5⁩ ⁨months⁩ ago
Because they make more money that way.

In order to stop them, you’d need a large percentage of customers go out of their way to purchase policies from companies with the lowest advertising budgets.

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- grue@lemmy.world ⁨5⁩ ⁨months⁩ ago
  
  In order to stop them, you’d need a large percentage of customers go out of their way to purchase policies from companies with the lowest advertising budgets.
  
  Or we’d need to recognize incorporation as the social contract that it was supposed to be, and start demanding public benefits in exchange for the companies being granted those privileges.
  
  Merely restricting advertising is thinking extremely small compared to what they owe us, but hey, might as well throw it on the list anyway.
  
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  - Szyler@lemmy.world ⁨5⁩ ⁨months⁩ ago
    Fascinating read. what would be the economical impact if this was to return as charters with limited power and duration?
    
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- Enkers@sh.itjust.works ⁨5⁩ ⁨months⁩ ago
  
  to purchase policies from companies with the lowest advertising budgets.
  
  This was basically my grandfather’s modus operandi. He wouldn’t buy anything he saw in an ad. Dude was a nuclear physicist, so maybe he was on to something.
  
  And while it’d be pretty hard to do that today, I always try and keep it in mind when I buy stuff. I ask myself if I feel like I’m being pressured to buy something, and to try to always be willing to walk away without buying. You can always decide later, and buy it then.
  
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  - TheActualDevil@sffa.community ⁨5⁩ ⁨months⁩ ago
    
    Dude was a nuclear physicist, so maybe he was on to something.
    
    Let’s not go attributing success in one area as relevant to being smart in another, unrelated area, even when they’re right. I prefer the other guy who worked in the industry agreeing rather than a nuclear physicist. Unless nuclear physicists typically get their degree by researching the insurance industry and their quality in relationship to advertisement budgets.
    
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  - njordomir@lemmy.world ⁨5⁩ ⁨months⁩ ago
    Bought a bottle of scotch once that said “The greatest advertisement is a quality product.” I would have to agree.
    
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  - BallsInTheShredder@lemmy.world ⁨5⁩ ⁨months⁩ ago
    I am not a nuclear physicist but have also been practicing that concept. Show me an ad that I don’t want to see? I Boycott.
    
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retrieval4558@mander.xyz ⁨5⁩ ⁨months⁩ ago
This is one of a thousand reasons why the entire insurance industry should be burnt to the ground

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- rebul@kbin.social ⁨5⁩ ⁨months⁩ ago
  Surely they would be insured for that though?
  
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  - Reddfugee42@lemmy.world ⁨5⁩ ⁨months⁩ ago
    They’d just find a way to make us pay for it.
    
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- spearz@lemmy.world ⁨5⁩ ⁨months⁩ ago
  Unrelated, but I saw an ad for a cremation company on the TV the other day. They said they had a 4.5 rating on trustpilot, and I spent too long wondering who left those reviews…
  
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- scarabic@lemmy.world ⁨5⁩ ⁨months⁩ ago
  It should just be public. One big insurance company that covers everyone under one set of rules, with zero ad budget and total transparency to voters. Not a private company that can deny coverage and run off with profits. Not an elective product that only high risk people will get. Not a hassle that you have to sign up for and pay bills on. Just built into our taxes and public institutions. Period.
  
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- Illuminostro@lemmy.world ⁨5⁩ ⁨months⁩ ago
  You spelled “Extortion” wrong.
  
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Semi-Hemi-Demigod@kbin.social ⁨5⁩ ⁨months⁩ ago
Car insurance ads are bad, but health insurance ads are worse. Every time I see one I wonder whose treatment got denied to pay for it.

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- Supervisor194@lemmy.world ⁨5⁩ ⁨months⁩ ago
  It’s worse than that even. Most of those ads are for “Medicare Advantage,” a criminal scam that Congressional members of a particular political persuasion cooked up to allow corporations to be a middleman between you and your medicare benefits. When clueless people call and sign up because they think they’re going to get free money, they end up getting fucked out of as much of their medicare benefits as the company can extract, up to 20% according to the rules, but who pays attention to if they play by the rules? You probably guessed it. Oh and just as a cherry on top, once you sign up, you can’t change your mind and go back, you’re off Medicare for good.
  
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- SCB@lemmy.world ⁨5⁩ ⁨months⁩ ago
  Car insurance ads are vastly better for people, for the economy, and even for road safety than health insurance companies are for people.
  
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- scarabic@lemmy.world ⁨5⁩ ⁨months⁩ ago
  Thanks to Obamacare, insurance companies are required to spend a high percentage of their revenue on delivering actual care. There is a limit to what they can spend on everything else. Thanks Obama!
  
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  - Semi-Hemi-Demigod@kbin.social ⁨5⁩ ⁨months⁩ ago
    They could still help more people if they weren't buying billboards advertising something people are required by law to have.
    
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SuiXi3D@kbin.social ⁨5⁩ ⁨months⁩ ago
What, are you just gonna not have insurance? Something could go wrong! You don’t wanna go bankrupt because of a health problem, do you? Also, we can’t guarantee you won’t still go bankrupt with our insurance, but you won’t have to pay for basic drugs! Maybe…

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Vilian@lemmy.ca ⁨5⁩ ⁨months⁩ ago
It’s not, that’s wby it only occur in USA

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- yoz@aussie.zone ⁨5⁩ ⁨months⁩ ago
  Lol #MAGA
  
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_TheThunderWolf_@lemm.ee ⁨5⁩ ⁨months⁩ ago
a petition to ban marketing, advertising, and sale of personal information in general would be a good way to have a chance at shattering big tech and commercial crap all at once, but it’ll never happen 🙁

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Colorcodedresistor@lemm.ee ⁨5⁩ ⁨months⁩ ago
i hop between geico, progressive, and allstate. after the 6month bait deal ends i just call and move over to the next competitors 6 month sweet deal.

It’s easy to maintain, just 3 tabs on my browser and now you don’t even have to talk to a person.

i learned after graduating in 2006 and walking face first into 2008s bullshit. if they want to hot potato lumps of debt, ill just hot potato competing services.

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Cagi@lemmy.ca ⁨5⁩ ⁨months⁩ ago
I live in Canada and used to work as an adjuster and dated an American broker. There are many insurers in the US, none of them advertise. Go to an honest broker and they’ll tell you abouttheboring 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.

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- The_v@lemmy.world ⁨5⁩ ⁨months⁩ ago
  My wife worked for an insurance company for most of a decade as the complaint liaison with the states regulating body on insurance.
  
  Insurance companies in the U.S. come in two types.
  
  Type A: Rely on repeat business and word of mouth to slowly grow their business. They pay out reasonable and fair amounts based upon the loss. They follow all applicable laws/regulations and operate in good faith. These companies are quick to reject people who have bad histories.
  
  Type B: Rely on recruiting new customers constantly by excessive advertising or purchasing other smaller companies. Pay out well below the market on anything they can and flat out refuse claims until lawsuits start. These companies routinely break state and federal laws because the fines are less than the profits. These companies prey on the lower income, elderly, and poorly indormed. The larger companies have hundreds of brands to give the illusion of choice to the consumer.
  
  Any amounts of excessive marketing by and insurance company indicates that they are shit. Also research into who owns any the brand they are are marketing. If you recognize the parent company as advertising, they are shit.
  
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  - Cagi@lemmy.ca ⁨5⁩ ⁨months⁩ ago
    That seems to line up with my reading of those heavily advertised, cheap policies. You pay for nothing then get left in the lurch, owing potentially millions. It should be illegal, it’s totally predatory.
    
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- Rentlar@lemmy.ca ⁨5⁩ ⁨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…
  
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  - Cagi@lemmy.ca ⁨5⁩ ⁨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.
    
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  - mihnt@lemmy.world ⁨5⁩ ⁨months⁩ ago
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- MNByChoice@midwest.social ⁨5⁩ ⁨months⁩ ago
  I don’t know anything, and to avoid complications, what kinds of legal minimums does Canada require?
  
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  - Cagi@lemmy.ca ⁨5⁩ ⁨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 policy 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.
    
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DeltaTangoLima@reddrefuge.com ⁨5⁩ ⁨months⁩ ago
Not sure what the issue is here, but this may be a US-centric problem…?

Here in Australia, insurance companies are required to demonstrate sufficient means to cover the risk they carry on their books. We have a government body (APRA) that regulates and routinely audits this (along with other requirements).

What the company spends on coffee, furniture or marketing has no bearing on this - those are expenses for them to manage after they satisfy the above requirements.

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- bdonvr@thelemmy.club ⁨5⁩ ⁨months⁩ ago
  It’s not about being able to cover their liabilities, but charging ridiculous rates partially due to the fact that they also need to pay multimillion dollar advertising budgets. Or worse, bring the price down by giving shockingly low coverage that is somehow still legal.
  
  Worse still, our healthcare system relies nearly solely on private healthcare… and yes they do it too. See: MetLife Stadium
  
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  - DeltaTangoLima@reddrefuge.com ⁨5⁩ ⁨months⁩ ago
    
    It’s not about being able to cover their liabilities
    
    I’m referring to OP’s assertion that “Isn’t this our fucking money you’re meant to give out should, god forbid, something happen?”.
    
    I don’t disagree that the insurance industry is a cottage industry, largely built on/supported by FUD, but that wasn’t the point of my reply.
    
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aesthelete@lemmy.world ⁨5⁩ ⁨months⁩ ago
At one point around the enaction of Obama-care there was a dude with a combover that came around to our office to tell us that “yes, healthcare costs are high in America, but I’m here to tell you that insurance companies are not the problem.”

So here he is: a guy lying to himself about his hair loss with a full-time job going around to different companies saying how insurance companies are not the problem…surely he couldn’t be lying, or a waste, or a lying waste.

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- Blackmist@feddit.uk ⁨5⁩ ⁨months⁩ ago
  I wonder if there’s a correlation between wigs and weasel jobs like salesmen or estate agents.
  
  If you can lie to yourself you can lie to anyone.
  
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Paranomaly@sh.itjust.works ⁨5⁩ ⁨months⁩ ago
Let’s put aside the many, many problems of insurance companies in reality and talk in terms of two parties acting in good faith for ease of demonstration.

Let’s take random person Alice who has insured her wrench set at Insurance Company X. Her wrench set is very important to her job and she only believes in high quality tools, so it is quite expensive. So expensive, that if something were to happen to it, she might not be able to replace it right away. Instead, she pays Company X for an insurance policy. Alice can afford to pay a little bit every month and so this is a good set up.

Uh oh, an impromptu stomp band raided Alice’s store and appropriated her wrenches as drumsticks. They’re ruined! Luckily, Alice is insured and Insurance Company X pays her for replacement wrenches.

Unfortunately for Company X, Alice needed new wrenches before her monthly payments would exceeded the price of the wrenches. So how did they have the money? Well, they have more customers than just Alice. They use some of the money that they get from others to help buy the wrench set in the same way some of Alice’s money is used with other problems as a way to socialize the losses.

As you might guess, this requires more people. More people contributing at once means a bigger pool of money that can cover bigger individual losses when the time comes. As such, Insurance Company X uses a portion of the money they get to recruit more users and thereby make their system work better.

But also greed. Lots and lots of greed.

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- Adalast@lemmy.world ⁨5⁩ ⁨months⁩ ago
  Don’t forget the part where Insurance Company X calculates the maximum amount of damages they could be liable for from marauding flash mobs for a given affected area then raises the rates on all of their customers in an even bigger area to compensate so they can never lose money on Alice’s wrenches.
  
  Source: I’m a mathematician who spent a summer working in the office of a roofing company and I literally watched homeowners insurance companies do it.
  
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  - bouh@lemmy.world ⁨5⁩ ⁨months⁩ ago
    Also the billions they make in profit is not going to compensate anyone. And the billions they invest on share markets and lobbying to make the society more like they want is definitely not to the benefit of the society either.
    
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  - Paranomaly@sh.itjust.works ⁨5⁩ ⁨months⁩ ago
    Not trying to speak up for any insurance company and will never say that the example is a good reflection of reality. Just showing a rough outline in how advertising and recruiting customers -could- be beneficial to the policy holder. It is as much a reflection of reality as a stick man is an anatomic model for study.
    
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- sukhmel@programming.dev ⁨5⁩ ⁨months⁩ ago
  Although what you write is correct, you somehow made it sound like a Ponzi scheme 😅
  
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  - ook_the_librarian@lemmy.world ⁨5⁩ ⁨months⁩ ago
    I thought we were being invited to a commune.
    
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Nemo@midwest.social ⁨5⁩ ⁨months⁩ ago
That’s why I purchase a plan from a company that doesn’t advertise.

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yesman@lemmy.world ⁨5⁩ ⁨months⁩ ago
There are two reasons

The market is saturated. Everybody pretty much already has insurance and they only shop for it when they have a reason to. So you want them to have your companies name on their mind when the time comes. The biggest source of new customers are people who switch from someone else.

GEICO was having name recognition problems when it transitioned from covering government employees exclusively.(Government Employees Insurance Company) This is where the lizard mascot came from. It was a huge success and other insurance companies followed suit. What we have now is a sort of arms race where all the major companies spend ridiculous amounts on advertising, but nobody wants to scale back for fear of being buried by their competitors ads.
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splendoruranium@infosec.pub ⁨5⁩ ⁨months⁩ ago

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?

While there’s certainly no redeeming feature to be found in the advertising industry, I feel like you might be missing the point of insurance. An insurance does not safe-keep “your” money. You pay insurance for a service, you then receive the service and your money is gone, spent, as if you had bought groceries. The service you receive is what is called “coverage” but what is more easily thought of as “immunity against bankruptcy due to X”, X being the insurance case. That’s what you buy.

Figuring out how to best allocate the money is up to the insurance - it’s their money, after all.

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- 1847953620@lemmy.world ⁨5⁩ ⁨months⁩ ago
  Yes, but spending the money creates more of an incentive and more pressure to figure out how to skimp on payouts
  
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- _number8_@lemmy.world ⁨5⁩ ⁨months⁩ ago
  i absolutely disagree. the way insurance works is you all pay into it and they use that money for claims. it’s literally our money.
  
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  - splendoruranium@infosec.pub ⁨5⁩ ⁨months⁩ ago
    
    i absolutely disagree. the way insurance works is you all pay into it and they use that money for claims. it’s literally our money.
    
    Again, you do not “pay into” anything. There’s no pool or fund or growing personal account. You buy a service. There is an exchange of goods and services here. As you receive the service, the money ceases to be yours.
    Whether or not other people file claims with the insurance doesn’t matter, just like it doesn’t matter whether or not the baker buys new furniture after selling bread to you. They’re not paying the furniture store with your money, they’re paying the furniture store with their own money that became theirs as soon as you relinquished it to them in exchange for the bread.
    
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- rivalary@lemmy.ca ⁨5⁩ ⁨months⁩ ago
  The only issue with that is their prices go up if their costs go up. Kind of like how grocery stores claim that theft causes prices to go up. It is their money, though it does feel bad paying them.
  
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rah@feddit.uk ⁨5⁩ ⁨months⁩ ago

Why is it apparently cool and fine for insurance companies to spend countless billions, trillions of our money constantly buying ad time?

It’s not your money, it’s their money.

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- darthelmet@lemmy.world ⁨5⁩ ⁨months⁩ ago
  Where do they get the money from?
  
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  - ImplyingImplications@lemmy.ca ⁨5⁩ ⁨months⁩ ago
    Your boss
    
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  - rah@feddit.uk ⁨5⁩ ⁨months⁩ ago
    From you. It was your money but then after you give it to them, it’s their money.
    
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- notapantsday@feddit.de ⁨5⁩ ⁨months⁩ ago
  Exactly, as soon as the money goes from your bank account to theirs, they can do whatever the fuck they want with it. Not saying that’s a good thing, but that’s how the system is currently designed.
  
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dustyData@lemmy.world ⁨5⁩ ⁨months⁩ ago
Well, it’s not your money. You’re gambling with them, your bet is that you’ll get sick or have an accident within X period of time, they’re gambling that you won’t. At the same time, to uphold your gamble, you have to do everything any sane person would do to avoid illness or accidents.

You pay the ante up-front, just like on gambling tables, that’s no longer your money. You’re down that money.

But, if your gamble gets an out, you get payed big time. Hopefully in the form of them covering a portion or a totality of your healthcare expenses. It’s a big dangerous casino, and as usual, the house always has the edge.

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- Kiosade@lemmy.ca ⁨5⁩ ⁨months⁩ ago
  Except some people don’t get paid big time. A lot of people actually. Because they like to waste all the ante’d money on stuff like these stupid ads.
  
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- WheeGeetheCat@sh.itjust.works ⁨5⁩ ⁨months⁩ ago
  Except the casino can refuse to pay out for any reason at all
  
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- MonsiuerPatEBrown@reddthat.com ⁨5⁩ ⁨months⁩ ago
  Gambling required by the government to operate a vehicle seems like a bad analogy.
  
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  - dustyData@lemmy.world ⁨5⁩ ⁨months⁩ ago
    I know, but that’s what literally it is. It’s even the historical origin of insurance as a concept. If you win, they have to pay your liabilities, if insurance wins, that means there hasn’t been any major accident or harm done. Either way, for the government, it’s a win-win. Either all it’s fine, or someone is ready to pay up the costs. The problem is, of course, scummy insurers who refuse to pony up their end of the bargain because they blew the money on ads, cocaine and hookers.
    
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- HessiaNerd@lemmy.world ⁨5⁩ ⁨months⁩ ago
  Insurance company are subject to regulations. They are lots of different regulations for different types of insurance and different states. The goals are to ensure that they are able to pay out when things go wrong, and to ensure a fair consumer practice. Generally all of the premiums they collect are supposed to be payed out and a large percent of the money is supposed to be held in reserve. They are supposed to be making money on investing the premiums.
  
  It’s not about them winning the bet that they won’t have to pay. If they won that bet too much, it would be reflected in too high premiums, and competitors would just under cut them.
  
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  - dustyData@lemmy.world ⁨5⁩ ⁨months⁩ ago
    Ahhh, the Free Market™ in action. When human suffering is the only economically viable option.
    
    /s
    
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Reddfugee42@lemmy.world ⁨5⁩ ⁨months⁩ ago
Their primary goal is to make profit for investors. They kind of also sometimes help people.

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- macrocephalic@lemmy.world ⁨5⁩ ⁨months⁩ ago
  They kind of also pay out on the services you pay them for, it’s not helping, it’s just an obligation they haven’t managed to dodge.
  
  It’s almost like there should be a not for profit option, perhaps if there were some large group of people who worked for everyone, and we’re controlled by some sort of elected governing body.
  
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  - Adalast@lemmy.world ⁨5⁩ ⁨months⁩ ago
    I have had this fantasy. All health insurers be required to be 501©29. The non-profit definition for health insurers under the ACA.
    
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  - Ullallulloo@civilloquy.com ⁨5⁩ ⁨months⁩ ago
    A lot of insurance companies—arguably most of the ones used—are not for profit: American Family, COUNTRY, Liberty Mutual, Northwestern Mutual, any other company with “mutual” in the name, USAA, Farmers, State Farm, Progressive, etc.
    
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scarabic@lemmy.world ⁨5⁩ ⁨months⁩ ago
One reason insurance ads are so stupid is that they are tightly regulated as to what they can actually say. They’re not allowed to make big promises. So you get lizards talking to car tires or whatever the fuck.

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- RGB3x3@lemmy.world ⁨5⁩ ⁨months⁩ ago
  15 minutes could save you 15% or more. Or it could save you less. Probably less or none at all. The point is that it could save you 15%
  
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maccam912@programming.dev ⁨5⁩ ⁨months⁩ ago
Before choosing your insurance provider, google the company and “combined ratio”. Anything over 100 and they are paying out more than they are making. Investors want to see a combined ratio in the mid 90s, so if you are not an investor maybe you want the ones with high CR? Or they might be wasting it I guess, but either way less savvy I suppose.

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eclipse@lemmy.world ⁨5⁩ ⁨months⁩ ago
I’m assuming you’re in the US.

Do non profit or cooperative insurance companies exist? They would seem like a less evil option if available.

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- 768@sh.itjust.works ⁨5⁩ ⁨months⁩ ago
  In Germany there is VVAG, “Versicherungsverein auf Gegenseitigkeit” (insurance association based on mutuality), which is the legal form for cooperative insurance as regular cooperatives (Genossenschaften) cannot insure legally.
  
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- Oyster_Lust@lemmy.world ⁨5⁩ ⁨months⁩ ago
  They do.
  
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SocialMediaRefugee@lemmy.world ⁨5⁩ ⁨months⁩ ago
Billions? Trillions? Ummmm, anyway…

The reason is because they aren’t idiots, it works or they wouldn’t do it. The issue with car insurance (and I assume this is what you are talking about since they bombard me also) is that it is a commodity. Let’s face it, they are all the same and heavily regulated by states. The only way they can grab customers is by the “plant our name in your head” method and that requires yelling at you constantly.

That said I HATE those ads. Geico has now been replace by Liberty Mutual as the most annoying company.

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BeautifulMind@lemmy.world ⁨5⁩ ⁨months⁩ ago
It shouldn’t be, but enough people are either ignorant that it’s a racket or they profit somehow by it that nobody says anything, or they’ll call you a damned commie if you openly question powerful people like that

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Radicalized@lemmy.one ⁨5⁩ ⁨months⁩ ago
Corporation must grow, must consume. In capitalism, if you’re not growing you’re dying.

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RightHandOfIkaros@lemmy.world ⁨5⁩ ⁨months⁩ ago
Why do you think getting insurance to actually pay out is so difficult?

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theodewere@kbin.social ⁨5⁩ ⁨months⁩ ago
not enough people vote for progressive candidates who are willing to try to take them on

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zepplenzap@lemmy.one ⁨5⁩ ⁨months⁩ ago
If you’re in the USA I would suggest using Amica for your insurance. They are great, and I’ve never seen an advertisement for them!

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UsernameHere@lemmings.world ⁨5⁩ ⁨months⁩ ago
For an insurance company to exist it has to spend less covering claims than it collects in payments.

Otherwise they end up bankrupt.

If you got back every dollar you spent on insurance, there would be nothing left over to spend on staff or any other part of their business.

This means anyone with insurance is better off taking their payments and saving it for when they need something covered.

Insurance is a scam.

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dangblingus@lemmy.dbzer0.com ⁨5⁩ ⁨months⁩ ago
Because you don’t make the rules and they do.

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Illuminostro@lemmy.world ⁨5⁩ ⁨months⁩ ago
Why do you hate prosperity? Why do you hate fiscal freedom? Why do you hate God, who allowed those companies to make those Divine Profits? They wouldn’t have them if Mammon didn’t want them to.

Sounds like Obamunism to me.

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