I hate this thread.

[Fathom Zero]

Why do I need insurance? Why can't I just carry around a suitcase full of money in case I get hurt, rather than give x-amount of dollars to an organization that will try its hardest to find a reason not to pay?

I know that the suitcase of money is illogical, but why not open an emergency account as most people do anyway? Why do I NEED auto insurance? Gah, this is dumb. Medical, people could give a fuck about.

TEACH me.

[executioneer]

you need liability insurance in case you hurt SOMEONE ELSE, and you need other kinds of insurance to reassure the bank you borrow money from to buy the car that your collateral (the car) will still have value if you fuck up

[Fathom Zero]

Ahhh, I'll just cut'em a check.

[Fathom Zero]

And I guess it's not a "why should I do this", but rather "WHY DOES THIS STUPID SYSTEM EXIST".

[Fathom Zero]

I hate this thread already.

[executioneer]

i'm guessing a lot of people got hurt in accidents and the people who hit them could not afford to pay for it, or something

i halfway wish the gov't would provide the insurance if they're gonna force you to have it- but i'm sure that'd probably make things worse, actually

[Dimnos]

Why do I need insurance? Why can't I just carry around a suitcase full of money in case I get hurt, rather than give x-amount of dollars to an organization that will try its hardest to find a reason not to pay?

I know that the suitcase of money is illogical, but why not open an emergency account as most people do anyway? Why do I NEED auto insurance? Gah, this is dumb. Medical, people could give a fuck about.

TEACH me.

In some states you can buy a certificate from the state. This is a one time payment and I believe it is "used up" after your first wreck (or whatever) that you have to pay the other party. Ill look a little more into it and see if I can find the name of it again.

[executioneer]

EqqVDxu0pdc

[Fathom Zero]

9m7SldTq8CY

[10,000 Volt Ghost]

Mostly if you hurt other people or cause damage to others property. Most people don't have a briefcase full of cash to pay for a broken wall that is available immediately. Most medical centers either won't treat you without insurance or if they accept to be paid directly won't tell you how much its going to be ahead of time. They feel safer being able to charge an insurance company. You'd be surprised how even the smallest thing can end up being really expensive.

[Fathom Zero]

Oh, I know shit's horribly expensive. I just like keeping ties to a minimum. I like being independent and not answering to people, at least in that regard. Even if I had a bajillion dollars, I'd still need that stupid stuff, and that bothers me.

[Wiffles]

I dont have insurance either. Theres a pretty slim chance something bad will happen anyway. :)

[10,000 Volt Ghost]

I work for Travelers insurance (Property, Auto, Liability, Workers Comp, Disability) and you can't even imagine all the ridiculousness that happens out of nowhere. Especially Workers Comp.

[Evil Robot]

Medical insurance is useless if they find out you don't have enough money for a lawyer. I have never had my insurance pay for anything, they ALWAYS tell me to have my attorney contact them and if I don't have one they can't help me. Medical insurance should ABSOLUTELY be nationalized so these greedy fucks can all go to hell and be replaced by people who don't give a shit how much their company spends.

[The Leader]

I dont have insurance either. Theres a pretty slim chance something bad will happen anyway. :)
I'm going to break your tiny Hamster legs.

[Fathom Zero]

Medical insurance is useless if they find out you don't have enough money for a lawyer. I have never had my insurance pay for anything, they ALWAYS tell me to have my attorney contact them and if I don't have one they can't help me. Medical insurance should ABSOLUTELY be nationalized so these greedy fucks can all go to hell and be replaced by people who don't give a shit how much their company spends.

I dunno. I've got Tricare at the moment. It's about what the quality healthcare would be, if the whole system was nationalized. And man, getting an appointment four weeks off for something that may be infectious is utter bullshit.

[Seven Force]

You don't need insurance, pray to Jesus Christ! (dont do this if you lost a limb though)

[Chojin]

This thread is a self-fulfilling prophecy

[Fathom Zero]

I hate this thread already.

>:

[Seven Force]

At least you're not full of cum!

[Fathom Zero]

Hay Seven Force.

[Seven Force]

Hay Fathom Zero

[Fathom Zero]

How's it going?

[Seven Force]

Pretty good, i'm living in chicago now :) Also, you're going to want to get COMPLETELY covered on your car insurance unless you don't want to get anything back from an accident that wasn't your fault. :(

[Fathom Zero]

I miss Chicago. :( Town's aces, I tells ya.

Sound advice, most likely. Thankfully, I've been lucky enough not to need a car. Such is the life of a college student. If I need to go out of town, I've got enough for a bus ticket.

[Chojin]

Thankfully, I've been lucky enough not to need a car. If I need to go out of town, I've got enough for a bus ticket.

get him while you can, ladies

[Fathom Zero]

I'm asexual.

[The Leader]

Do you reproduce via budding?

[10,000 Volt Ghost]

If I could be asexual I would be. Things would be a whole lot less complicated.

[Fathom Zero]

http://en.wikipedia.org/wiki/Asexuality

[The Leader]

http://en.wikipedia.org/wiki/Budding

[Fathom Zero]

http://en.wikipedia.org/wiki/Cunt

[The Leader]

http://en.wikipedia.org/wiki/Sadness

[kahljorn]

wouldn't being asexual kinda suck cause you'd probably be pregnant all the time and have like 50 children /abortions also they might be freaks or look a lot like you :O

i guess it depends on what you mean by asexual though :(

[Chojin]

he means that he's your typical awkward high school student, only with a stupid overused label for his coping mechanism.

[Fathom Zero]

Naw, it sucks being pregnant all the time.

I would only assume so, because humans are such complicated animals and grow so slowly, it'd suck raising twenty identical versions of yourself at different ages.

[MLE]

Hey, at least you're staying on topic.

[MLE]

Hahahahahahaha, just for posterity, the original title of this thread was something to the tune of "I'm young and dumb".

[Fathom Zero]

I wanted to change it from the moment I made it though, and I regret everything completely.

[MLE]

That's what you get for being young and dumb.

[Fathom Zero]

And a whiny little bastard. BUT WHATEVER.

[MLE]

At least you're honest.

[Fathom Zero]

Haha, that means jack shit and you know it.

[MLE]

Hahahahaha, don't get your prepubescent feathers all ruffled.

[Fathom Zero]

You know how to make a guy feel good, MLE. You's one of the good ones out there, babe.

[MLE]

Being a high school counselor has its ups and downs.

[Fathom Zero]

It must feel bad being useless professionally.

[MLE]

You see, that was a joke directed at your age, since I'm not actually a high school counselor. It's too bad I had to go and ruin the joke by explaining it, though I should have made it a little easier to get.

I apologise.

[Fathom Zero]

I didn't think you were.

It must feel bad being useless as a hobbyist.

[MLE]

It must feel bad never being told you're fine.


By a doctor.

[Fathom Zero]

You're dead inside. :(

[MLE]

I love this thread.

[Fathom Zero]

I hate this thread.