Treznor wrote:It's also profit-based. They therefore have a vested interest in taking money from people, while giving back as little as possible. That's not help so much as
exploitation.
What a crock of shit.
You buy rental insurance. It covers the value of all the goods within your rental unit. You pay a premium based on calculations of the value of your goods, and the assessed risk of their loss or damage. You pay that premium and hope that nothing ever actually happens. If something does happen, you collect, most likely far in excess of anything you have actually paid in. How is that fucking exploitation?
Treznor wrote: Got a little risk, because you had a traffic ticket or a previous illness? They won't cover you the way you're likely to need it. Too many problems? They'll help you so far and no farther.
And that's exactly as it should be. Why should the insurance company foot the bill for your idiocy? If you are paying low premiums because you were assessed as low risk, and suddenly you start making claims left and right, the insurance company is absolutely right in changing your assessed risk level to high, and upping your premiums.
Treznor wrote:Sorry, profit-based assistance tends to fall far short of the mark. I'm looking for compassion, not greed.
Go to your mom for compassion. I'm not giving it. Your version of compassion is exactly what I'm taking about. Refusing to take care of yourself, or make necessary preparations, because you think someone should do this for you. You whine that insurance companies aren't compassionate enough, yet if you bothered to look into it, you'd find that compassion isn't nearly as important as ensuring you are covered in case of loss. Taking that step towards self-sufficiency is infinitely more practical than hoping for random compassion from strangers.
Help yourself. Say it, love it, live it.