Quote:
Originally Posted by Sly
What will you do if you get hit by a car and need to spend 30 days in the hospital?
Yes, it is a big if... but you're already dedicating $200 a month to your health, why not give the $200 to an insurance company and be covered?
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My chances of getting hit by a car are not too good. I don't jay-walk. If anyone hits me, they'll be paying for it, not me. And I have had four car accidents in my life, none of them my fault. Thats not me in denial, thats how it was on the police report and what my MVR shows. The other parties ended up paying in every case. I did have to get an attorney in one of the cases, but in the end her insurance ended up paying for that too.
The most recent one, a rear-end hit by some stupid bitch in Texas who ran into me when I stopped at the bottom of a freeway ramp to yield, is trying to worm out of it. That was a rental car, so that pisses me off alot since I have to deal with three morons out of it: her, people in the "loss control" department of Enterprise and her insurance company's stupid claims adjuster. But she'll pay when its all over with. It was only $600 in PD and ~ $550 in medical bills to make sure my neck was OK. I already paid the doctors and the x-ray lab, and if this goes on much longer I'll pay Enterprise and then I'll take another drive down to the wretched state of Texas and visit her courthouse and file Small Claims against her.
And any insurance you can buy for $200 a month is going to have a huge deductible. So you are really paying the $200 a month for that PLUS the cost of your care up to the deductible. In my case, that would up my cost of health care to $400 a month while providing me nothing that I don't have now, other than a headache dealing with morons at the claims office.