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Penny Arcade - Comic - Gallstate

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Gallstate!

Penny Arcade - Comic - Gallstate

Videogaming-related online strip by Mike Krahulik and Jerry Holkins. Includes news and commentary.

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    LttlefootLttlefoot Registered User regular
    This is why I'd rather underwrite myself, and then not do anything risky

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    E.CoyoteE.Coyote Registered User regular
    What are you wearing guy from Allstate? Uh... human pants.

    https://www.penny-arcade.com/comic/2004/08/11/the-other-side

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    oh3fiftyoneoh3fiftyone Registered User regular
    It bums me out when PA is about grownup stuff. Also, I feel exactly this way about the company that covers my wife and son’s ADHD medication except I want a Biblical plague of brain moths to strike their office on a Wednesday afternoon.

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    dennisdennis aka bingley Registered User regular
    It bums me out when PA is about grownup stuff. Also, I feel exactly this way about the company that covers my wife and son’s ADHD medication except I want a Biblical plague of brain moths to strike their office on a Wednesday afternoon.

    Yes, we definitely cover occupational therapy!

    Oh, you mean because you have a different kind of brain and you need occupational therapy, not because you hurt your arm?

    lol no

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    KoopahTroopahKoopahTroopah The koopas, the troopas. Philadelphia, PARegistered User regular
    That middle panel is fucking great. Would love a print of that.

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    GrendusGrendus Registered User regular
    Oh wow, putting Allstate on blast. That's one way to get your claim through I suppose.

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    v2miccav2micca Registered User regular
    edited June 2023
    The problem with Insurance is that it operates as a zero-sum contract. Basically only one party can truly benefit from the deal. If you continue to regularly pay your premiums without ever (or only rarely) filing a claim, the Insurance gets to be the beneficiary. However, if you actually file a large claim the Insurance company is on the losing side of the transaction. Too many failed contracts and an insurance company doesn't last long. So, its in the interest of their very survival to make it as challenging as possible for a client to make large successful claims.

    v2micca on
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    LttlefootLttlefoot Registered User regular
    It’s not really zero sum if reducing risk is worth it to you (e.g. you prefer to be sure to lose $100 rather than having a 10% chance of losing $900)

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    PreacherPreacher Registered User regular
    Insurance companies are the fucking worst. Its why I hate seeing ads for their bullshit ass.

    "Like a good neighbor state farm will deny your claim and drop you..."

    I would like some money because these are artisanal nuggets of wisdom philistine.

    pleasepaypreacher.net
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    dennisdennis aka bingley Registered User regular
    I wish insurance companies were required to be nonprofits. It'd get a bit tricky, due to the nature of fluctuations in claims (e.g. years with big hurricanes and wildfires vs quiet ones - do we even get those anymore?) But it seems like something like that could be adjusted for. Granted, you can still play games with nonprofits, where they get ridiculous salaries. But it seems like the lesser evil.

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    PreacherPreacher Registered User regular
    dennis wrote: »
    I wish insurance companies were required to be nonprofits. It'd get a bit tricky, due to the nature of fluctuations in claims (e.g. years with big hurricanes and wildfires vs quiet ones - do we even get those anymore?) But it seems like something like that could be adjusted for. Granted, you can still play games with nonprofits, where they get ridiculous salaries. But it seems like the lesser evil.

    I just know literally every insurance company I've ever paid money to, made way more money on me than I ever got back in whatever minimal claim I filed. And I've had surgeries.

    I would like some money because these are artisanal nuggets of wisdom philistine.

    pleasepaypreacher.net
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    RatherDashing89RatherDashing89 Registered User regular
    I wish I could find the quote from The Color of Magic which described insurance as: you and the insurance company are betting on the odds of something horrible happening to you (and you're betting against yourself).

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    PreacherPreacher Registered User regular
    I just forever remember after I had gotten my rental broken into I wanted to get renters insurance and no one would cover me because I'd had my place burglarized so clearly they didn't want to have to cover a claim.

    That and the time I was in the ER and they took my insurance information before I got treatment. Nothing makes you sing god bless america while you're going into shock from pain like that.

    I would like some money because these are artisanal nuggets of wisdom philistine.

    pleasepaypreacher.net
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    YoungFreyYoungFrey Registered User regular
    edited June 2023
    As an example, not to indicate they are worse than other companies, Progressive hired a lawyer to defend a drunk driver so they wouldn't have to pay a claim to his victim that they had insured. I'm sure every insurance company is just as bad if not worse. But it sure makes those Flo commercials a lot less cute when I see them.

    YoungFrey on
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    PreacherPreacher Registered User regular
    I had progressive once, someone broke my window, it was less money to cover it myself than have progressive possibly cover any part of it. the very thing I paid them for was not worth using. I dropped them the next god damn day.

    I would like some money because these are artisanal nuggets of wisdom philistine.

    pleasepaypreacher.net
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    dennisdennis aka bingley Registered User regular
    Generally, I approach car and homeowners insurance as "I'm only filing a claim if it's catastrophic." As such, I pick super high deductibles to keep my premium low. We just recently bought a new (well, new to us - it's a 2017) vehicle and I put the premium at $1500.

    Medical insurance is a whole other kettle of rotten, stinking fish.

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    nialloniallo Registered User regular
    I wish I could find the quote from The Color of Magic which described insurance as: you and the insurance company are betting on the odds of something horrible happening to you (and you're betting against yourself).

    I don't remember any witty lines, just that once the concept of fire insurance was introduced to the deeply venal people of Ankh-Morpork, they started setting fire to the city immediately.

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    ThanatosiaThanatosia Registered User regular
    Preacher wrote: »
    I just know literally every insurance company I've ever paid money to, made way more money on me than I ever got back in whatever minimal claim I filed. And I've had surgeries.
    Well, it doesn't always go that way. I'll probably never in my life pay into my health insurance what it's covered for me. It does give a deep nest of dark feelings knowing that the only reason your life isn't perpetual dire poverty and an abyss of eternally unpayable debt is that my otherwise very low paying government job provided such a service; and knowing my condition could well require calling upon it again, it's left me feeling chained to the job as a modern serf in a way.

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    DelzhandDelzhand Hard to miss. Registered User regular
    it seems trite to even mention it anymore but tying insurance to employment is the greatest tool of oppression capitalism ever produced

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    LttlefootLttlefoot Registered User regular
    Can’t you buy your own insurance if it’s not included in your employment contract?

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    dennisdennis aka bingley Registered User regular
    Lttlefoot wrote: »
    Can’t you buy your own insurance if it’s not included in your employment contract?

    Yes. At exorbitant prices.

    This is what a lot of contractors (who can't be on their spouse's insurance) do.

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    palidine40palidine40 Registered User regular
    Lttlefoot wrote: »
    Can’t you buy your own insurance if it’s not included in your employment contract?

    You SURE can, at 3 times the cost or MORE! Yay! And given that those benefits are like 10-20% of your paycheck, thats saying something :D.

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    v2miccav2micca Registered User regular
    Thanatosia wrote: »
    Preacher wrote: »
    I just know literally every insurance company I've ever paid money to, made way more money on me than I ever got back in whatever minimal claim I filed. And I've had surgeries.
    Well, it doesn't always go that way. I'll probably never in my life pay into my health insurance what it's covered for me. It does give a deep nest of dark feelings knowing that the only reason your life isn't perpetual dire poverty and an abyss of eternally unpayable debt is that my otherwise very low paying government job provided such a service; and knowing my condition could well require calling upon it again, it's left me feeling chained to the job as a modern serf in a way.

    Statistically speaking, it goes that way for far more people than it doesn't. Insurance companies are for profit corporations. They don't make a profit if they are paying out more in claims than they care collecting in premiums. So, it's great that it is working out for you. You are the winner of the lottery that we are all required to pay into.

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    dennisdennis aka bingley Registered User regular
    edited June 2023
    v2micca wrote: »
    Thanatosia wrote: »
    Preacher wrote: »
    I just know literally every insurance company I've ever paid money to, made way more money on me than I ever got back in whatever minimal claim I filed. And I've had surgeries.
    Well, it doesn't always go that way. I'll probably never in my life pay into my health insurance what it's covered for me. It does give a deep nest of dark feelings knowing that the only reason your life isn't perpetual dire poverty and an abyss of eternally unpayable debt is that my otherwise very low paying government job provided such a service; and knowing my condition could well require calling upon it again, it's left me feeling chained to the job as a modern serf in a way.

    Statistically speaking, it goes that way for far more people than it doesn't. Insurance companies are for profit corporations. They don't make a profit if they are paying out more in claims than they care collecting in premiums. So, it's great that it is working out for you. You are the winner of the lottery that we are all required to pay into.

    And honestly, I'm happy to be healthy and pay to help out people who weren't as lucky. That's the kind of society I want. But what I don't want is this layer stuck between that arrangement, which tries to wring every dollar out for themselves, by means I taking the money but then not actually providing anything with it.

    dennis on
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    v2miccav2micca Registered User regular
    dennis wrote: »

    And honestly, I'm happy to be healthy and pay to help out people who weren't as lucky. That's the kind of society I want. But what I don't want is this layer stuck between that arrangement, which tries to wring every dollar out for themselves, by means I taking the money but then not actually providing anything with it.


    Yes, in my ideal world, insurance would be strictly non-profit organizations who exist solely as caretakers of aggregate trust funds created via payed premiums.

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    RatherDashing89RatherDashing89 Registered User regular
    Insurance for rare, catastrophic things like a fire or car accident is very different (or should be different) from insurance for expenses that are guaranteed to happen, like doctor's visits. Now, some conservatives use this to argue that health insurance should only cover catastrophes, but I'd still class health emergencies in the "guaranteed to happen" category because we should take it as an assumption that people who have health emergencies will be cared for.

    For health expenses, the "ideal world" situation isn't that for-profit insurance companies still collect premiums and do their best to avoid paying claims, just with the government paying premiums instead of users...because that solution is still enriching for-profit insurance companies at the expense of public health. The ideal situation is to eliminate health insurance altogether and have the health expenses paid for publicly, with doctors considered public employees or at least contractors.

    But back to the catastrophic insurance stuff....as a principle it makes sense that those who are currently not having catastrophes pay small amount into a shared pool that is drawn on by those undergoing catastrophes, so that no one is on the hook for massive costs all at once. The problem is (1) the existence of that shared pool means more money in general is available to pay these expenses. Anything that is insured can charge absurd amounts for the service because the money is there, whereas without insurance there's going to be some need for vendors to keep costs low so that people can actually afford it. And (2) the pool being managed by a for-profit company means an inherently adversarial relationship between consumer and company. If a seller is providing a good or service, one could at least have the illusion that both parties are walking away happy: I want the good or service more than I want the money, and the seller wants the money. So we could exchange in kind and both come out on top. But when money is the only thing changing hands, there is always a loser. Either the insured gets paid out more than they paid in and wins, or the insurer gets paid in more than they pay out. So the only way an insurance company can possibly make money is to make as many customers as possible "lose out" on the deal. Which is why the gambling comparison is so apt. It's just even worse than the slot machines, because for the insured, "winning" means having something horrible happen to you so you actually have a chance of recouping your premium.

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    PreacherPreacher Registered User regular
    edited June 2023
    My issue is not like that I'm coming out behind on not needing insurance, its just that in my experience when I do need the shit they do their best to fuck me out of paying for anything.

    "Sorry you got hit by a car, but you do live in an area with fuck whited drivers so we won't pay out, better luck next time."

    Preacher on
    I would like some money because these are artisanal nuggets of wisdom philistine.

    pleasepaypreacher.net
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    PyrianPyrian Registered User regular
    v2micca wrote: »
    You are the winner of the lottery that we are all required to pay into.
    Yay cancer? :D

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    MorninglordMorninglord I'm tired of being Batman, so today I'll be Owl.Registered User regular
    That middle panel is fucking great. Would love a print of that.

    I love it but also I thought

    "Don't worry, it's already gone."

    (PSN: Morninglord) (Steam: Morninglord) (WiiU: Morninglord22) I like to record and toss up a lot of random gaming videos here.
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    nialloniallo Registered User regular
    v2micca wrote: »
    Thanatosia wrote: »
    Preacher wrote: »
    I just know literally every insurance company I've ever paid money to, made way more money on me than I ever got back in whatever minimal claim I filed. And I've had surgeries.
    Well, it doesn't always go that way. I'll probably never in my life pay into my health insurance what it's covered for me. It does give a deep nest of dark feelings knowing that the only reason your life isn't perpetual dire poverty and an abyss of eternally unpayable debt is that my otherwise very low paying government job provided such a service; and knowing my condition could well require calling upon it again, it's left me feeling chained to the job as a modern serf in a way.

    Statistically speaking, it goes that way for far more people than it doesn't. Insurance companies are for profit corporations. They don't make a profit if they are paying out more in claims than they care collecting in premiums. So, it's great that it is working out for you. You are the winner of the lottery that we are all required to pay into.

    Have you thought that through, that 'winner' thing?

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    V1mV1m Registered User regular
    Delzhand wrote: »
    it seems trite to even mention it anymore but tying insurance to employment is the greatest tool of oppression capitalism ever produced

    It's literally a specialised truck shop IMO

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    scotty2haughtyscotty2haughty Registered User regular
    Grendus wrote: »
    Oh wow, putting Allstate on blast. That's one way to get your claim through I suppose.

    I deal with "insurers" on a daily basis. Allstate is in my top 3 most hated.

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