Insurance is legalized gambling allowed by the government and imposed by insurance companies. Nowhere is this more obvious than with car insurance.
At one time, women had lower rates than men due to the fact they are historically less aggressive, therefore they are safe drivers but after this disparity was labeled “discrimination”, insurance companies stopped this practice and simply raised the women’s rate to match what men pay. Politically correct yes, but morally incorrect because the consumer footed the bill for this win-win strategy sanctioned by and benefitted by the insurance industry.
Today, it works like this: Based on existing circumstances such as where you live, your driving record, the car you drive, and quite possibly the side of the bed the underwriter got out of in the morning, the insurance company presents you with a wager betting you will or will not get into an accident. Often referred to as “Las Vegas odds”. This varies with each company, which should alert you.
Once you accept this wager, you’re bound by your signature and the benign sounding voice you hear after you’ve worked your way through the options on the voicemail that generously offer you a chance to return to the previous menu or even allow you to hang up after the call is over. They count on this message entering one ear and exiting the other. but beware. When you hear “calls may be recorded for quality and service”, this isn’t all the conversation may be recorded for. Big Brother is watching and he’s watching you.
You are bound by your word – and cleverly-trained, pleasant sounding “customer assistants” (who are really “sneaky low-down entrapment experts” with an agenda taught to them by insurance companies using mascots such as cute animals sporting large eyes and bearing British accents).
Other companies advertise with people rather than reptiles, but the eyes are always large and loving. One cold-blooded reptilian racket that comes to mind would be better suited with a poisonous Gila Monster with beady little eyes and a forked tongue rather than an iridescent, cute, cartoon character representing personal property and bodily damage lawsuits that can result in hundreds of thousands of dollars. What some find adorable, others might find insulting.
The employees, who ‘just follow orders’ (as did war criminals), have been brainwashed into believing they provide a worthy service to respectable people and feel they are helping their neighbors out of the kindness of their heart, but I don’t honestly see altruism here, And further, I can’t seem to recall any non-profit insurance companies at the moment. Who’s kidding who? This is simply business. Big business.
Notice all the insurance commercials on television? Does it look like insurance companies are competing with each other? Are they competing to help people or gouge them? Are they doing this to ‘help thy neighbor’ or are they doing this to line their pockets with windfall profits? (Talk about ‘the writing on the wall!’)
One insurance company who claims to have you in its “good hands”, extracts a security deposit in addition to the premium. “Claws” might be more appropriate because they overcharge you and then, a year later, after they have earned interest on your money, they magnamously begin returning your money to you if you haven’t had an accident. “You can pay me now or you can pay me later”, this enterprising outfit wants their money upfront. I only wonder how many people fall for this ploy.
If the sheep called “employees” have buy into this greed, they are often promoted for it and receive larger paychecks as they scheme, plan, and answer the phone with a sardonic smile that had once been a mandatory smile.
Years ago I was in an unfortunate car accident that totaled my car. No other car was involved but I’m certain people would have paid good money to watch as my car became a stunt plane and did loops, barrel rolls, somersaults and head stands. Fortunately, I was in a Volvo and came out of this virtually unharmed but with a pressing desire to wash my clothes, specifically my pants. Air bags and pyrotechnic seatbelts are right up there with computers, TV, air conditioning and pizza in my book. I owe my life to Swedish technology and the California Highway Patrol.
My insurance company cheerfully stood by me and forwarded me a check for the depreciated value of the car and asked if I’d participate in a quick customer satisfaction questionnaire afterward. This is the nature of the business; they gambled and this time the house lost – only they were not a good sport about it. Several months later when my policy came up for renewal, instead of a phone call, I received a letter stating my coverage would be dropped due to “chargeable accidents.” This time I wasn’t asked to participate in a customer service survey either. I was promptly shown the door after paying my premiums for many years.
I recently moved to another state and when I called to change my address, they informed me that my new rate after the move had gone through the roof – reaching the staggering height of over $800 a month! In addition, they would not let me cancel my policy until I secured new insurance. They not only raised my monthly premium over $600, but they told me I had to pay this immediately and the first mail I got at my new address was a bombardment of insurance bills in the thousands of dollars. Once again I felt an urgency to do my laundry.
Immediately following this news, I received numerous recorded phone calls prompting me to set up automatic payments with my bank. And of course the customer survey was totally out of the question at this point. They only offer this service to customers overwhelmed with cheerful, courteous phone service so it’s to their own advantage and the results can be used in their future advertising propaganda. It’s a vicious cycle perpetuated by paying consumers who are systematically scammed by the sly.
But after supplying my driving record of the previous 10 years to a local company, I discovered the term “chargeable accidents” applied to Gila Monster Insurance Company and nobody else. My new rate dropped to a more respectable $556 PER YEAR with only $45 a month in payments. I hate doing domestic chores and this time I was spared.
I canceled my insurance with Lizard Life and Accident and had them email a copy of this transaction to me pronto. I framed it and now it’s proudly displayed on the wall.
So unless you’re a caveman or living under a rock, take heed and imagine horns and a pitchfork the next time a friendly lizard with an English accent representing an American insurance company comes on your flat screen TV. Who comes up with these hare-brained advertisements anyway?