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> insurance won't let you do anything risky, and won't pay if you do. This is the part that is outright fraud. A legitimate insurance policy is literally a che
by a1369209993 5y ago
> insurance won't let you do anything risky, and won't pay if you do.
This is the part that is outright fraud. A legitimate insurance policy is literally a cheque; if something happens, you deposit it in the bank and get you money, and it's the insurance company's responsibility to prove that your claim is not covered by the policy written on the cheque. The insurance company does not make a decision about whether to pay.
- RHSeeger 5y agoWithout trying to sound snarky, I feel like maybe you haven't had to deal with insurance companies for anything substantial. A lot of them go out of their way to say no to as much as they can, and you need to fight with them to get them to change their decision.
- a1369209993 5y ago> A lot of them go out of their way to say no to as much as they can, and you need to fight with them to get them to change their decision. I am aware of that; I'm pointing out that their being able to say no (rather than the cheque being valid by default and claim being paid out without the insurer's involvement, and the insurance company having to go to court to recover the money after the fact) is fraud, precisely because it enables them to "say no to as much as they can".
- jjeaff 5y agoI have never had an insurance company flat out deny a claim. The only back and forth i generally have is on how much as they try to pay as little as is allowed.