Newest object of loathing: The insurance industry. Bastards
So you know that the house got robbed several times in December. We only made two claims to our insurance company, because hell, we didn't want to piss them off and have them boot us. We're still having words with them over the claim -- "How do we know this manuscript you speak of really exists?" -- and to make things even better, I got a letter from them saying they would not renew our policy when it expired this year.
Now let's think about this: You're saying that you're more than happy to insure us, so long as we don't actually make any claims on the insurance. That, in a word, is fucked up. (Fine, in two words. Whatever.)
So now I'm going through the fun-filled process of trying to find a new insurance company that won't charge us up the wazoo. One that will take into account that, since the robberies, we have improved security 10 fold and haven't had any further problems. One that won't punish us for being robbed, or living in our neighborhood (This is Andy's cue to snort derisively and cough 'Crack house!' into his hand. Yeah, shut up, Andy.)
The thing is, we have to have insurance -- the mortgage company will not take kindly to the building they own the lion's share of not being insured. If it (god forbid) burns down, they lose their investment. We lose our home, but what is that compared to the pain we'd cause a major corporation? Grrr. Anyway, if all else fails, the mortgage company will find insurance for us. As you might expect, that insurance will benefit them -- coverage for if anything happens to the building, so they'll get their money back -- but not us -- no property coverage, no housing allowance is the house gets blown up by a volcano and we have nowhere to live, etc. Plus we'd be looking at a $5000 deductible.
I know that insurance is an industry, but isn't is supposed to be a service industry? Sure, they're supposed to make money, but that's not their sole purpose, right? Isn't the purpose of it to protect people when things go wrong? Because there's precious little point of protecting people only when things go right.
So you know that the house got robbed several times in December. We only made two claims to our insurance company, because hell, we didn't want to piss them off and have them boot us. We're still having words with them over the claim -- "How do we know this manuscript you speak of really exists?" -- and to make things even better, I got a letter from them saying they would not renew our policy when it expired this year.
Now let's think about this: You're saying that you're more than happy to insure us, so long as we don't actually make any claims on the insurance. That, in a word, is fucked up. (Fine, in two words. Whatever.)
So now I'm going through the fun-filled process of trying to find a new insurance company that won't charge us up the wazoo. One that will take into account that, since the robberies, we have improved security 10 fold and haven't had any further problems. One that won't punish us for being robbed, or living in our neighborhood (This is Andy's cue to snort derisively and cough 'Crack house!' into his hand. Yeah, shut up, Andy.)
The thing is, we have to have insurance -- the mortgage company will not take kindly to the building they own the lion's share of not being insured. If it (god forbid) burns down, they lose their investment. We lose our home, but what is that compared to the pain we'd cause a major corporation? Grrr. Anyway, if all else fails, the mortgage company will find insurance for us. As you might expect, that insurance will benefit them -- coverage for if anything happens to the building, so they'll get their money back -- but not us -- no property coverage, no housing allowance is the house gets blown up by a volcano and we have nowhere to live, etc. Plus we'd be looking at a $5000 deductible.
I know that insurance is an industry, but isn't is supposed to be a service industry? Sure, they're supposed to make money, but that's not their sole purpose, right? Isn't the purpose of it to protect people when things go wrong? Because there's precious little point of protecting people only when things go right.
posted by SAJ at
9:21 PM
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