Ok, So You Don?t Have Any Insurance

[Turfgrass]

Tornados and floods .. and people without homeowners or business insurance. There was George Bush in the Midwest yesterday telling the media that something needed to be done to help the victims of these disasters who didn?t have insurance.

Why?

It is clearly irresponsible for someone to fail to insure their home and their possessions against loss. Why, then, should I have to suffer the consequences of that irresponsibility? Bush is clearly talking about some sort of federal aid to these people. That federal aid will be paid with dollars that I earned ? dollars that you earned. With the money that was left in our paychecks after these dollars were seized we actually went out and insured our homes, our cars, our boats and the rest of our stuff.

Decisions have consequences. If you make the decision to leave your property uninsured the consequences should be that you suffer the losses if that property is destroyed. The wonderful hand of government, however, is changing things. Now you make the decision to leave your property uninsured and other people, taxpayers, have to suffer the consequences.

Wouldn?t it be nice to hear this exchange with a president?

Question: Mr. President, what about the people who lost their homes and didn?t have insurance?

Answer: Of course we feel badly for them. But they made their decisions, and unfortunately they?re now suffering the consequences of those decisions. Surely you don?t expect me to use the police power of government to seize someone else?s property in order to protect these people from the consequences of their irresponsibility, do you?

Yeah ? like that?s going to happen.

 

[acehistr8]

I agree 100%, couldnt have said it better.

For those that think we should hand over a boatload of aid to them tell me why its different than what Im going through now with health insurance. I have been unemployed for 8 months and quite frankly could not afford the $500/month COBRA payment so I choose not to carry insurance. Note that this is a choice I make, no one is forcing me not to have insurance. If I get sick, I will have to pay out of my pocket for any expenses I might incur. I'm not clamoring for the government to pay it for me.

Insurance is a choice you make, if you choose not to have it and a tornado drops on your house, I will feel bad for you, I will help you clean up, but its not my fault and I dont want my tax dollars paying for it.

 

[TBONEZ0295]

WHAT ABOUT IN A CITUATION THAT THE PEOPLE COULD NOT AFFORD TO CARRY HOME OWNERS ACE??? SH*T THEY LOST "EVERYTHING" I CAN'T IMAGINE WHAT THAT MUST BE LIKE OTHER THAN DEVISTATING ISN'T THAT PART OF WHY AMERICA IS SUCH A GREAT COUNTRY:shrug:

HEALTH INSURANCE IS A WHOLE OTHER SUBJECT MY FAMILY IS PAYING OUT THE AZZ FOR HEALTH INSURED BECAUSE WE ARE PRIVATE BUS. OWNERS ACE THERE ARE PLANS OUT THERE THAT WILL COVER YOU THAT WILL COST LESS THAN $5OO A MONTH (COBRA) LOOK AROUND THERE OUT THERE HOPE THAT HELPS I'M NOT SURE OF THE SIZE OF YOUR FAMILY OR DEPENDENTS BUT ITS WORTH LOOKING INTO..............

 

[Private Petey]

floppy copy

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Hey Ace, GET OFF YOUR HIGH HORSE!!! NOT EVERYBODY CAN AFFORD INSURANCE!!!

PP

 

[rrc]

Acehistr8

Acehistr8

Contact Fortis insurance, one of the best health insurers for individuals. Take a high deductible and your monthly premium will be affordable. You just want to make sure that you at least have coverage in the event of a catostrophic (sp?) medical emergency takes place. Good luck.

 

[StevieD]

I do not know how it works but aren't tornados considered an act of God and not covered by standard insurance?

 

[yyz]

Hey Petey........not everyone can afford a lot of things. So what?

If you can afford a house, you can afford to insure it, as well. You guys might not see the point that ace is making:

"Why should I pay for insurance if the government will rebuild for me?"

He is right! At what point do you say, "I am sick and tired of footing the bill for other people"?

TBONEZ:

It is tragic that people lose everything in these situations, but like I said, if you have a house, you can insure it as well. Maybe this means you have to have a smaller house? Don't people factor this into their thinking when they buy a house?

I think a lot of folks don't have insurance because they want to save some cash. I know I went about a year with no renter's insurance a while back, because it saved me $300 during that year. What the hell is that?:shrug: Consider losing $30,000 worth of shit, and paying that premium aint so bad!

Hey.......just because you live on a one way street, it doesn't mean you don't have to look both ways before crossing.

 

[dr. freeze]

no my house got leveled by a tornado a few years back and insurance payed for the rebuilding....

exactly right....pay for insurance if you want help....government is not responsible...

and if you are too poor to have insurance, then most churches will help you get back on your feet

 

[StevieD]

Thanks for the answer Freeze I was wondering about that.
But in this case wouldn't the government stepping in actually be helping the insurance companies who would otherwise have to pay off? And if that is the case wouldn't the insurance companies get their money back by charging us higher rates to make up for their loses. So we lose either way?

 

[dr. freeze]

yeah you are right we lose either way Stevie.....but i think insurance is the way to administer the funds because more accountability is involved

 

[acehistr8]

Sorry TBONES but I dare you to show me one instance, ONE, where people "could not afford" insurance. This is a CHOICE they made.

These are not homeless, destitute people who cant afford insurance. These are homeowners who chose to have a house of X amount of square feet. They could have chosen less for example, and had $100 left over per month to pay for insurance, but they didnt. These are familes with probably with one or two cars, probably with a couple of kids. They didnt have to have kids, they chose to. They may be able to get by with one car, but they chose not too. One family I saw in the CNN piece on this had a Ford Explorer and a new Toyota Avalon wrecked in the storm. Now I really feel bad for you, you can have $60,000 worth of cars but you want me to believe you cant afford insurance. I dont want to hear about these folks NOT BEING ABLE TO AFFORD insurance. They made a choice to put other things in their lives that they value more than insurance. Now there are families that have much less than two new cars, I understand that, all I am saying is right or wrong, they made a CHOICE and we SHOULD NOT BE LEFT HOLDING THE BAG.

 

[AR182]

these type of claims that you are talking about is not covered on your homeowners insurance.instead it's covered by something called"national flood insurance". usually if you live in an area that has a high rate of flooding or tornado's the mortgage company requests that owners have this. and if the mort. company fails to inform the owner, then a good ins. broker should inform the owner.
btw, i dont know of any person who has a mortgage, not have the basic homeowners ins. the mort. company will not provide a mort. without the necessary ins. it is protecting them as much as protecting the owner.

ace,

i know that you are looking for employment. in today's world, the benefits that a company provides is almost as important as the salary. good luck, btw.

 

[Blitz]

There is always ways to squeeze extra money out of your budget, especially for something as important as insurance...

It always bugs me when you see people who "say" they are broke and can't afford stuff and are chugging on a Beer or smoking a cigarette, these things when you are broke are not neccessities...

 

[homedog]

Right on target, Turf. People need to understand that they have to live with their choices. And they are choices. The days of having government to fall back on are numbered.

 

[djv]

Guy's don't worry. It took Bush over a week to get there from when first storms hit. Worst outbreak of storms over 7 days ever on record. And you want him to say something that will cost him votes. Hey it was a photo opt. The right words had to be said. He got back in the plane and said to his wife. Like a sore ass there getting any money other then the regular aid most get. With or with out insurance. Tough chit. Did you all thing he would say that in front of cameras. He's not the smartest. But he cant be that stupid.

 

[Blitz]

He's not the smartest. But he cant be that stupid.

 

[TBONEZ0295]

Sorry TBONES but I dare you to show me one instance, ONE, where people "could not afford" insurance. This is a CHOICE they made.

YUP I HAVE TO TAKE THE BAIT ON THIS ONE. I CAN'T BELIEVE THAT THERE ARE PEOPLE OUT THERE WHO FEEL THIS WAY. DO YOU REALLY NOTICE A TAX INCREASE:shrug: COME ON THESE PEOPLE LOST (EVERYTHING THEY OWN) THERE WHOLE LIFE WHIPPED AWAY WITH THE WIND WTF.WHAT WAS THE DIFFERENCE BETWEEN SEPT.11 AND THESE TORNADOS???? SOME ONE FILL ME IN PLEASE THERE WERE PEOPLE THEN WHO LOST EVERYTHING TOO WITHOUT INSUR. AND GOOD OLD AMERICA HELPED THEM TOO! THANK
GOD.............. DID YOU ALL FEEL AS THOUGH YOU WERE BEING CHEATED THEN TOO. HOW CAN YOU SAY THESE PEOPLE NEED TO LIVE WITH THERE CHOICES,DON'T YOU THINK THAT THE FEAR OF WHAT THEY ARE GOING TO DO NOW IS ENOUGH????? I DON'T THINK THE GOV. IS GOING TO HOOK THEM UP TO THE PERFECT LITTLE LIFE THEY HAD BEFOR THE TORNADOS..................

YES ACE- I DO HAVE ONE FOR YOU! MAYBE I DO FEEL A LITTLE STRONG ABOUT THIS ISSUE IT MAY BE BECAUSE I AM A COMPATIONATE PERSON OR MAYBE BECAUSE I HAD A FRONT SEAT WITH A CLOSE FRIEND WHO LOST HER HUSBAND 2 YEARS AGO ,YOUNG GUY 32 NO SHE DIDN'T HAVE LIFE INSUR.AND WAS LEFT HOLDING THE BAG, SO TO SPEAK I LISTENED TO HER DIFFERENT DECISIONS ON HOW TO MANAGE HER BILLS MORTGAGE,CAR PAYMENT (FORD TOO) TUITION FOR HER KIDS SCHOOL 4 KIDS AND WHEN IT STARTED TO COME DOWN TO THE NITTY GRITTY LETS SEE YOU COVER YOUR MORTGAGE CAR FOOD UTILITIES AND IF YOU NEED TO CUT SOMETHING OUT THATS IT (INSURANCE) AS YOU STATED YOU CAN RELATE RIGHT?YOU STOPPED PAYING YOUR COBRA BUT I'M SURE YOUR STILL PAYING YOUR UTILITIES AND SUCH RIGHT?????? SO MY POINT BEING THAT YES IN FACT THERE ARE PEOPLE OUT THERE THAT HAVE (CHOSE) TO NOT PAY THERE INSUR BUT YOU HAVE TO OPEN UP TO THE FACT THAT NOT ALL OF THEM PEOPLE CHOSE TO NOT PAY INSUR. FOR THE FINER THINGS IN LIFEOR THE ONES WHO SMOKE,DRINK AND HOW ABOUT GAMBLE AND NOT PAY THERE INSURANCE SO DOES THAT MEAN WE SHOULD KICK EM TO THE CURB AND SAY "OH WELL YOU MADE YOUR CHOICES" I SURE HOPE NOT..............I DON'T KNOW IF ITS A FEMALE THING WHERE THE MEN ALL GO "OH SHIT NOW WE HAVE TO FOOT THE BILL" AND THE WOMAN GO OH MY GOD THOSE POOR PEOPLE MAYBE THAT COULD BE TOO. BUT YOU ASKED ME FOR (ONE) INSTANCE AND I GAVE IT TO YOU. PEACE T

 

[DOGS THAT BARK]

Pet peeve is people who say It not my fault.
Insurance is nothing but transfering risk you can not afford absorb on your own.
If you can't afford homeowners I would have to say your in over your head on the mortgage payment.

I still remember lady( age 39) O'reilly interviewed after 911 in regards to charities payments and if she had received any yet. Naturally if she had he wouldn't have had her on there. Be that as it may this was about 2 months after incident. She explained that her monthly payments on 2 cars and 2 homes CC Cards ect were about $7000 a month and that she soon would have to give em up. She was ranting about the charities but should have been ranting about her husband and herself as he had nothing but a 10,000 gruop term life coverage. They can buy buy buy and run up $7000 a month payments,but won't cover his family ass for about $30 a month their family could have had a cool million to fall back on--and they expect sympathy? they should get a boot in the ass.

 

[TBONEZ0295]

SO IN OTHER WORDS YOU THINK THAT MY GIRLFRIEND (AND) HER YOUNG INOCENT CHILDREN SHOULD SUFFER ??????????? THERE LIVES WERE DEVISTATED ENOUGH
OH I GUESS TO SOME PEOPLE LIKE YOURSELF YOU WOULDN'T THINK PAST THE FACT THAT THESE KIDS LOST THERE POP NOW LETS JUST "GIVE THEM THE BOOT IN THE ASS" YEH THATS THE SOLUTION....................PLEASE THATS SOOOOOOOO PATHETIC! I REALLY MEAN IT WHEN I SAY I TRUELLY BELIEVE IN "WHAT GOES AROUND COMES AROUND" I SURE DO HOPE IN THE INSTANCE OF SOME KIND OF TRADGITY (SP?) THATS YOU HAVE A COOL MILL. TO FALL BACK ON. LOL

 

[acehistr8]

DOGS, agree 110%, if you cannot afford insurance for a particular asset, then you are over your head and are paying too much for that asset to begin with.

TBONEZ, you answered my question right there. I am a very compassionate person, I hope you do not misread my opinion on this topic to generalize on me as a whole. I mean I dont hate people and I dont want people living in ditches, but are we going to start supporting every family in the US that wouldnt pay a tiny premium for life insurance? I am very sorry for your friends loss, but you said it in your post. Your friends biggest choice was that they CHOSE to have FOUR kids. I am sure they were intelligent people who knew that a kid costs money for food/clothes/shelter, let alone having four. (By the way, where were these kids going under 10-12 years old, that required tuition? Private school?) I dont want to comment on anyones financial state too personally, but if you are living so close to the felt that you cant afford life insurance, why would you have a fourth kid? It just doesnt make sense to me, if a family really just has no money and cant afford a measly $25 a month in life insurance premiums, then somewhere along the way something should have been changed. Anyway since I dont know the situation I wont comment more, but I stick by my feelings, that in life we all make choices and these choices have consequences.

FWIW, I think paying these families from 9/11 $100M each or whatever is complete nonsese, but thats a topic for another thread alltogether.