Insurance: Legalized Extortion

Driving without it gets you a day in court, falling ill without it puts you at the mercy of bottom tier health care and dying without it means you get buried in a cardboard box.

All those reasons make it seem like having it is a swell idea, and to a tiny few it is. For the rest of us however, it’s the biggest scam you’ll ever fall prey to, and the whole thing is government backed.

Who else can legally take your money with the promise to pay you back when shit hits the fan, only to load you with half cocked lines about not being able to pay up when said fecal matter goes skyward? They remind me of a damn coke fiend. The only difference being one of the two can get busted to pound-me-in-the-ass prison. While being a coke fiend isn’t itself illegal, there are quite a few illegal steps involved in getting there. The insurance company, on the other hand, probably gets a tax break.

If they have your money why can’t they just hand it over when you say so? It’s bad enough that you can’t go back to them unless you’re laid up in a hospital or had your car written off (or both if you have bad karma), but when you do it’s as if they have a random excuse generator for not paying you that doubles as material for their lunch time comedy hour. The alignment of the planets during the last epoch has no bearing on you paying out, for Christ’s sake.

I’m griping because I had a situation recently play out, and I’m sure you can guess that I wasn’t pleased with the outcome. All I can do about it at this point is take my business elsewhere. That’s it. Not one refund or credit note in sight.

I’ve always been a well insured guy and with my particular flavour of luck will probably always be, but damn it if I haven’t had it up to here (hand below chin) with these damn, dirty apes…I mean insurance companies.