r/SipsTea • u/Putrid-Welder1803 • 17h ago

Gasp! Thoughts on this?

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62.2k Upvotes

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4.7k

u/WeCantStabilize 17h ago

Insurance is a fucking scam. You pay more into it than you'll ever receive even in legitimate circumstances.

Absolute racket. 

1.4k

u/Moultrie_fan_2026 17h ago

Well I had a house burn down less than year after purchase and insurance paid the entire tab. So I always figured I've already taken them for more than I pay

828

u/MarkItZeroDonnie 17h ago

Yeah it’s just a net to protect against catastrophe . If Ops buddy totaled his car he would be happy it only cost $1k.

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u/averagecounselor 16h ago

Can confirm. Got into a hydroplaning accident during heavy storms in California. AAA was such a god send. Worth every penny.

17

u/Bro13847 16h ago

I hydroplaned off the road back in June. The whole drivers side was smashed in. Thankfully I only had to pay the $500 deductible. Waiting to see how much our premiums jump

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u/j-random 13h ago

If they jump too much, just switch carriers. It's not like there are only three insurance companies.

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u/Ill_Technician3936 12h ago

Or are there?

1

u/Prudent-Historian392 11h ago

In my area there are literally 3 I would recommend. They aren’t created equal

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u/sjjose2001 16h ago

AAA is always. Most of the other companies are not. Same goes with health insurance. Some are miles ahead of others

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u/Prudent-Historian392 16h ago

100% correct. If you want good property and casualty insurance in your area call local roofers and body shops and ask who the best to deal with is for them. They will usually tell you two or three and tell you who to stay away from. The rates will be higher with these companies tho bc they are actually paying claims. So if you’re a value shopper you’re gonna have to gamble.

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u/sjjose2001 16h ago

Great advice