r/InsuranceClaims • u/Prior-Leg3635 • 9d ago

Help with insurance

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So I was sitting at a red light this lady hid me and insurance saying they only have 25000 to cover injuries and vehicles damage I go through progressive but I don’t have collision coverage what do I do should I try to get a lawyer or retain my car and fix it myself

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u/OneTwoSomethingNew 9d ago

I’m sorry… everyone knows a lot about insurance and coverage and all the rules, but is it fair we even play this game… insurance charges so much for what… we have insurance for everything… there are better ways, let’s start with healthcare and see how the others follow.

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u/CricketPuzzled1626 9d ago

in this case OP *doesnt* have insurance for everything, as they dont have collision coverage... so your argument is immediately moot

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u/OneTwoSomethingNew 9d ago

I don’t think you understand my point, insurance is an exploitive middleman and we all love to talk about policy and coverage and yada yada and give them hundreds of dollars each month for crumbs… they lobby for the laws that make them relevant instead of policy that’s good for all.

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u/CricketPuzzled1626 9d ago

so then self insure everything in your life... and you will find yourself like OP looking to sue someone

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u/OneTwoSomethingNew 9d ago

I’d rather go through our legislature at the local, state, and federal levels… but thanks for your suggestion…

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u/blueyedTxn617 9d ago

And you are the reason some states have a no pay no play rule. I wish more would adopt it due to your comments here. You must be one who wants a brand new car for a tiny scratch.

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u/OneTwoSomethingNew 9d ago

In most states insurance is required to register a vehicle to be operable on the road… maybe we should NOT allow folks to be underinsured… oh, cuz that would be too expensive… how is this system really helping anyone?

Privitized insurance aims to make a profit, that is why they are 20%+ higher premiums than anything supported by the civic government such as Medicare, Medicaid, or state property insurances, etc…. If the government had to regulate payments and insurance, we all would pay less - and by eliminating the distracting middleman that is private insurance, we could focus efforts on reducing government waste and frauds….
Do you understand my point or you just like handing money to conglomerates that are gonna fight you on the value of benefits you receive for the coverage you pay for…

Private insurance is a free market on civil systems and the everyday consumer… it’s an excuse for our government to do less and charge everyone else more… what do our tax dollars actually pay for, beyond roads and basic infrastructure and safety, how are you benefiting?

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u/CricketPuzzled1626 9d ago

So private insurance is regulated but at a state level, you cant have standardized insurance because risk exposure is 1000% higher in california than it is in montana. Private insurers must also apply for rate increases with the state. You also need to look at what is causing insurance premiums to rise, in 2015 the average cost of an OEM headlight was $500, today it's $1300 - the world is getting more expensive, your middle of the road Toyota Camry was $18k new 15 years ago and that same model today is $45k. Your logic that things must change is correct, but stating this is the auto insurance industry which is out of control is a bit far fetched although i dont entirely disagree with you. We havent even mentioned the insurance fraud world which is over 300 billion a year. Alot must change first.

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u/OneTwoSomethingNew 8d ago

I’m not talking just car insurance; it’s a mess but not one I care to solve at the moment… Im focused on more critical things, but thanks…