The big heads have their insurance scam wrapped up in a nice red bow. Why in the world is an insurance deductible even a part of the scenario?
Some drivers have never needed insurance on their cars. They pay for it over the years because it’s the law but they never get into accidents and they’ve never so much as had a natural disaster take their car out of commission. Then one day, in walks Mayhem.
Ken is driving his car on ice and loses control. He slides off the road and hits the guardrail. He’s fine. But his car isn’t. It’s going to need some fixing. That’s where the insurance company comes in, right?
Not so fast. Ken has an insurance deductible to pay first. When he asked his insurance agent what the insurance deductible was all about, he got this answer, “Well, it’s so that we share the cost of the claim before the insurance company has to bear it all.”
Let’s do some math, shall we with some real-world figures? Ken bought his car for $21,000 five years ago and has been paying $165 a month for insurance since. He’s paid $9,900 in insurance in that timeframe.
But before that, he paid his insurance faithfully to the same company for ten years and never had a claim. In total, he has paid the insurance company about $28,000. Now, he needs $1,000 in repairs but he has to pay for all that himself because the insurance company won’t pay until he pays his insurance deductible.

They’re just taking his money and paying for pools, mansions, and cars. They’re sending their kids to college and going on vacations with Ken’s money, and all the other Kens and Karens who pay them faithfully every month to have the state-mandated insurance. A scam that has been going on for years and the insurance company has all its answers.
“In a way, having deductibles can also make policyholders think twice about engaging in risky behaviors or not acting in good faith as they will be financially impacted by any loss or damage as well.” Insurance Business Mag
Imagine your insurance company protecting itself against risky behaviors or someone not acting in good faith. You mean, the insurance company doesn’t want people acting shady? Maybe it should stop acting so shady.
“Because they share the cost of the claims with the policyholders, insurance providers can avoid receiving a barrage of small and inexpensive claims, so they can focus on major losses, which insurance policies are designed for.”
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Just the big stuff? That’s what insurance companies were designed for? No, they’re taking your money and they’re designed to handle claims. If they can’t handle “the barrage of small” claims, maybe they’re in the wrong business. That’s literally their job!
Taking that much money from people in the hopes that they never have to help them out with it, that’s a scam. Let’s call it what it is.
It’s the same for medical, home, and every other insurance policy they try to peddle you. The insurance deductible is a big, fat grift and all their excuses are just slapping lipstick on that greasy pig.