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

Wed Mar 20 07:09:52 CST 2002

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According to my spell checker they have been correct. I run it on
every post, and usually read it over as well. As for the pricing, I
was only referring to the article as I could not find anything about
it on the Canadian government's web site. I did not say the bill had
been passed.

Dwight Wallbridge,
Webmaster, Geek, Blogger.

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

- ----- Original Message ----- 
From: "Shawn Wallbridge" <shawn at synack-hosting.com>
To: <geeks at sunhelp.org>
Sent: Wednesday, March 20, 2002 4:26 AM
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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