Dude seriously...don't you think you should spend more time understanding what's being said before more BS?Jiggly said:I would rather shell out the $300 every 2 years for a windshield or other expense to keep my insurance record claim free and my premiums lower, so if/when I get into an accident that is a total loss the insurance company wont sit there think it was planned out because I had milked them over the years to get all of my preiums back in frivolous expenses.
That response wasn't to you and it wasn't about car insurance!
Next, I don't "milk" anyone! The insurance company rightfully pays for claims that are part of the contractual agreement I am paying for. If a rock breaks my windshield and a windshield is covered by the comprehensive policy I pay for, THEY ARE GOING TO PROVIDE THE SERVICE I PAY FOR!
If you're so concerned how people respond to what you say, you really should put more thought into considering what you are saying.
I'll give you a hint...the discussion was HEALTH insurance, and the question was meant to elicit some consideration that the premises upon which the previous post was based might be faulty or incomplete.
For example: Healthcare insurers and employers both benefit from prevention and early detection of catastrophic illness, that is one of the primary reasons they "pay for the little things" and pass along those costs in the premiums. Your end cost for the same preventive services could potentially even be MORE if you paid it individually and not offset the savings in health insurance premiums because you would not have the group bargaining power for those services.