[geeks] Insurance, and Why I Hate It (long)

Wed Mar 20 10:38:05 CST 2002

Crap, that was suppose to be private.

Sorry
shawn

-----Original Message-----
From: geeks-admin at sunhelp.org [mailto:geeks-admin at sunhelp.org]On Behalf
Of Shawn Wallbridge
Sent: Wednesday, March 20, 2002 4:26 AM
To: geeks at sunhelp.org
Subject: RE: [geeks] Insurance, and Why I Hate It (long)

USE A SPELL CHECKER!!!! Both your posts tonight had so many spelling
mistakes they were painfull to read. It doesn't make you look too good.

shawn

BTW, the levy is going to be $.56 not $1.23/CD-R. And it hasn't been passed
yet. You can call your MP and voice your opinion. And write a letter to the
Copyright Board (http://www.cb-cda.gc.ca/new-e.html).

-----Original Message-----
From: geeks-admin at sunhelp.org [mailto:geeks-admin at sunhelp.org]On Behalf
Of Geek
Sent: Wednesday, March 20, 2002 2:56 AM
To: geeks at sunhelp.org
Subject: Re: [geeks] Insurance, and Why I Hate It (long)

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Ok, but what happens if you want to sell your car? Would it carry
over? It would be easy for them to say that amounts are not
transferable, meaning that if you put $20,000 over 10 years into a
car's insurance, that they would simply keep it when it was sold. I
think that from what I have leant of insurance companies, this would
be very likely.

Personally, be happy you have some choice in insurer, because people
in Manitoba buy insurance form one crown corporation, MPI, sold
through several resellers, essentially. Rates do not change between
places, and MPI is the one who decides about claims and so on. I
don't think that they charge more by age, but you will pay big for a
motorcycle, or other sports car, and their claim settlements are the
shits form what I hear.

Dwight Wallbridge,
Webmaster, Geek, Blogger.

Geek's World http://www.geeksworld.net
Geek Blog http://www.geekblog.net/

- ----- Original Message -----
From: "David Jellison" <davidjellison at hotmail.com>
To: <geeks at sunhelp.org>
Sent: Tuesday, March 19, 2002 3:09 PM
Subject: Re: [geeks] Insurance, and Why I Hate It (long)

> I thought that this would lower our rates, there wouldent be many
> insurance scamms, (woops i lost my car).
> and the at fault, not at fault would remain the same, so if sombody
> crashes in to you, there account pays damages, and they are left
> with the negitive$. This would be incentive enough to drive
> better..
>
> ----- Original Message -----
> From: "Michael A. Turner" <mturner at whro.org>
> To: <geeks at sunhelp.org>
> Sent: Tuesday, March 19, 2002 12:51 PM
> Subject: RE: [geeks] Insurance, and Why I Hate It (long)
>
>
> > Hmm I actually like this system. I will have to ponder on it for
> > a while.
> >
> > Michael A. Turner
> > Systems Engineer
> > WHRO
> > michael.turner at whro.org
> > http://www.whro.org
> >
> >
> > -----Original Message-----
> > From: David Jellison [mailto:davidjellison at hotmail.com]
> > Sent: Tuesday, March 19, 2002 3:40 PM
> > To: geeks at sunhelp.org
> > Subject: Re: [geeks] Insurance, and Why I Hate It (long)
> >
> >
> > you have the choice with life insurance of a term life or a
> > cashvalue
> plan,
> > why then dont we force them to give us the same options with
> > car's? 1. you still pay in the same ammount per month
> > 2. the money you pay in collects in a managed investment account,
> > you pay some service fee to the account managers, the company
> > gets to keep 60% of the earnings from investing( for overhead)
> > they will also take 60% of the loss.
> > 3. if you reck your car, and it's less then what you have pay'ed
> > in then you'r account covers the bills and you start over with
> > what your left
> with,
> > if it's more then your account is wiped out, and you start with
> > whatever negitive $ you are left with, but your monthly dose'nt
> > change, and can
> only
> > be adjusted based on the same critera that is used now to
> > deturmin your rates.
> > would this work?
> > ----- Original Message -----
> > From: "Tom Borton" <tborton at usa.net>
> > To: <geeks at sunhelp.org>
> > Sent: Tuesday, March 19, 2002 11:09 AM
> > Subject: RE: [geeks] Insurance, and Why I Hate It (long)
> >
> >
> > > I like the idea of your system, but there are two related
> > > conditions that keep me relatively content to pay some forms of
> > > insurance: 1. Insurance for things over which I have no
> > > control.  I can be sure that I maintain my cars and drive
> > > safely, but I can't force everyone to.  And everyone - list
> > > members excepted, of course - has their stupid moments.
> > > 2. Insurance to make sure that I can't be bankrupted because
> > > other people fail to be responsible for their actions.
> > >
> > > Going without insurance is a gamble that everyone else will
> > > deal responsibly with you and can afford the responsible remedy
> > > for something they have done unto you.
> > >
> > > That's the theory - the mercenary tactics employed by some
> > > companies to maximize their profits, as noted by others
> > > earlier, are the real reason people don't like insurance.  It's
> > > the companies, not so much the concept, that (justifiably)
> > > cause wide-spread hatred.
> > >
> > > Tom
> > >
> > > -----Original Message-----
> > > From: geeks-admin at sunhelp.org
> > > [mailto:geeks-admin at sunhelp.org]On Behalf Of Michael A. Turner
> > > Sent: 19 March 2002 13:35
> > > To: geeks at sunhelp.org
> > > Subject: RE: [geeks] Insurance, and Why I Hate It (long)
> > >
> > >
> > > I have never understood the logic behind insurance myself.
> > > Follow
> > > this train if you will. I am paying a compnay, basically laying
> > > a bet, that
> > > I will most likely get into an accident, or injure myself,
> > > before the amount I have payed is larger than the amount I will
> > > recieve in benefits from said accident or health problem.
> > > I fully believe that people do the things that they work
> > > towards. If
> > > you tell yourself all the time you are no good at math
> > > eventually you will
> > > be no good at math. It seems like everytime I pay that
> > > insurance premium it's like a reminder to go out and hurt
> > > myself. This would seem to suggest
> > > that Insurance causes accidents.
> > > I believe we need to find a system that goes the other way,
> > > that I
> > > am betting that I will stay safe and healthy. I have,
> > > unfortunatly, not been
> > > able to find a model for this that works. The big issue I found
> > > in this revised model is the fact it would now be in the best
> > > interest of the insurance comapny to hurt you... As
> > > untrustworthy as those bastards are I
> > > definatly do not want them to have a reason to wack me in the
> > > head with a
> > > bat....
> > >
> > > Michael A. Turner
> > > Systems Engineer
> > > WHRO
> > > michael.turner at whro.org
> > > http://www.whro.org
> > > _______________________________________________
> > > GEEKS:  http://www.sunhelp.org/mailman/listinfo/geeks
> > _______________________________________________
> > GEEKS:  http://www.sunhelp.org/mailman/listinfo/geeks
> _______________________________________________
GEEKS:  http://www.sunhelp.org/mailman/listinfo/geeks

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