Tag Archives: insurance

Why Are People Unethical?

So I come across this random discussion going on about a really, really minor automobile accident that happened in a parking lot, someone backed into this guy’s car and basically barely tapped it, causing absolutely no visible damage whatsoever.

So the guy says he took the car to a mechanic and the mechanic said there was no damage, but to be absolutely sure, he’d have to disassemble the entire bumper, which would cost about $750, so he said to tell the other driver’s insurance that’s what this accident would cost.

Now I think that’s a bit silly already, but then the poster says he’s going to tell the insurance it costs $750, submit the mechanic’s estimate as proof, then just pocket the money and not have any of the work done.  And he’s wondering if that’s unethical?  Are you kidding me?  Not only is it unethical, it’s probably blatantly illegal!

And nobody cares!  Everyone on the thread was saying to go ahead and do it.  I hate humanity.

But really, this is insurance fraud, presenting a false claim to the insurance to make money off of it. Now recently, we had our roof redone and the insurance company was really clear, because I’m sure people have tried this, that they can send their own inspectors to see if the work was done, to require pictures and receipts for every penny, and to have you arrested for fraud and prosecuted to the furthest extent of the law if you try to defraud them.  And they’re absolutely right.

It disgusts me to see how many people would effectively steal money from an insurance company because they think they could get away with it.  I’m almost tempted to hope that they try and feel the full weight of the law come down on their heads.  Of course, they’ll scream and cry that it’s all so unfair, boo hoo, the world is mean to them.  Fuck that.  These people deserve everything they have coming to them and then some.  I have zero sympathy.

Of course, I said that and got the typical “shut up” responses.  Because today, feels matter more than reals.  Emotions matter more than responsibility.  The whole society is going to shit and I, for one am sick of it.

What is Wrong With People and Their Cell Phones?

So I got to thinking about this when some survey company wanted me to answer some questions about cell phone insurance, and heck, they were going to give me a $10 Amazon gift card, so why the hell not.  This is all about what kind of cell phone insurance you would buy, clearly trying to see how much they could  get people to spend on add-ons and they ended up getting kind of mad at me because I wasn’t interested in any of the add-ons that they wanted to “sell”.  To make it clear, they weren’t trying to actually sell plans to those being surveyed, they wanted to know what people wanted so they could go to cell providers and try to sell them on the plans.

I don’t have insurance on my phone.  I don’t need insurance on my phone.  I’ve had a cell phone since at least the early 90s and I have never, not once in my entire life, ever lost a cell phone, had one stolen or broken one.  I can count on less than the fingers of one hand how many times I’ve dropped my phone and it has never resulted in any damage at all. I take care of my belongings and I don’t have to replace them all the time.  I am clearly not the kind of consumer that they want. I know lots of that kind of people, I just don’t understand them.

See, my wife and I have never had to have a phone replaced, we’ve never broken or lost one, the only time we get new phones is either because we want one for some reason, or because they just stop working, neither of which would be covered by any insurance.  Phones are tools.  They are not fashion accessories.  Therefore, we have no insurance.  If we ever lost one, we’d just go buy a new one, no harm, no foul.  We do have insurance on our kids’ phones because one has lost a phone and the other just had one stolen within the last couple of months.  But beyond replacement, we need nothing else.

But that’s not what this survey company wanted to hear.  They wanted all kinds of tech support and accessory coverage and constant upgrade coverage so they could charge $25-30 a month.  None of that matters at all to me.  But I don’t treat my phone like a toy, it’s a tool.  I don’t carry it around in my hand, I don’t constantly play with it, it sits on my belt all the time and with a bluetooth headset, I rarely even touch it.  But I can’t tell you how many phones I just find laying around.  I can remember finding them all over the place at work, on desks, on counters, on the back of toilets, etc.  In fact, not a week goes by without someone’s phone being left in the bathroom.  What in the hell are you doing in the bathroom with your phone?  Okay, people are stupid, but that’s not something to be proud of!

I know this company wants to cater to the lowest common denominator, the stupid people who are prone to misusing and abusing their property, who treat their phones like status symbols and want a constant supply of new technology in their pocket so they can feel good about themselves.  In other words, they want to sell to the terminally stupid and gullible.  That’s their right, of course.  It just makes me depressed that there is such a market for stupidity.  I know I shouldn’t be surprised, but once again, I’m reminded just how idiotic the majority of Americans actually are and that makes me sad.