this post was submitted on 06 Oct 2025

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A cut, sure, but the whole fuckin thing? (lemmy.dbzer0.com)

submitted 4 days ago by Stamets@lemmy.dbzer0.com to c/whitepeopletwitter@sh.itjust.works

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[–] WoodScientist@lemmy.world 3 points 4 days ago

Term life is cheaper than whole life, and generally a much much better deal long term. What this person is proposing is car insurance that works like whole life insurance.

[–] stevedice@sh.itjust.works 2 points 4 days ago (2 children)

Just don't own a car?

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[–] merdaverse@lemmy.zip 2 points 4 days ago

I have never had a claim my entire life. I'm pretty sure that I've paid more in car insurance than for the fucking car itself. But I'm happy to socialize the cost of some SUV lunatic that does millions in damage while looking at the phone.

[–] dangling_cat@piefed.blahaj.zone 2 points 4 days ago* (last edited 4 days ago)

Annnnnd when you do get into an accident, they will increase your premium next year. They cannot loose either way

[–] Tar_alcaran@sh.itjust.works 1 points 4 days ago

Well, you need insurance, because I'm pretty sure you can't afford the payment for when you, say, crush both my legs.

[+] General_Effort@lemmy.world -9 points 4 days ago (3 children)

I'm sure I've become more conservative since being active on Lemmy. Shit like this is why.

[–] GeneralEmergency@lemmy.world -4 points 4 days ago (2 children)

This post combines two of lemmites favourite past times.

Car hating and being clueless to how things actually work.

[–] Lemminary@lemmy.world 1 points 4 days ago* (last edited 4 days ago) (1 children)

Car hating

True, but this is about insurance. It's only incidental that it's car insurance but this applies to home and health insurance too.

clueless to how things actually work

Are we really clueless or rather idealistic? Because OOP is talking about how she would expect things to work in a fair world, which is a common sentiment. Everyone in the comments here is either trying to explain why this doesn't work or expressing how it could work.

I find it quite ironic to criticize us for allegedly not knowing how things work while simultaneously failing to grasp how the community works when the comments are right there, and also not staying accurate to the content of the post. Double whammy.

[–] General_Effort@lemmy.world 1 points 3 days ago (1 children)

So, how does the community work?

[–] Lemminary@lemmy.world 1 points 3 days ago (1 children)

Read the comments to find out.

[–] General_Effort@lemmy.world 1 points 3 days ago

I did, hence my despair.

[–] General_Effort@lemmy.world 0 points 4 days ago

It's not car hating, at all. It's a car owner who explains why the world owes him money.

Before Lemmy, I would have pegged this as typically US conservative: Self-centered morons who refuse to learn things and instead make up conspiracy fantasies about how they are robbed. It's basically how you get the Trump tariffs.

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[–] SpiceDealer@lemmy.dbzer0.com -3 points 4 days ago (1 children)

I never understood why it's legally mandatory to pay a private company just for the privilege to drive a metal death box (death metal box?) on poorly maintained yet tax payer-funded roads or get punished with debt if I don't?

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[+] ininewcrow@lemmy.ca -14 points 4 days ago (4 children)

Conversely, you can also just drive around with no insurance at all and still do all the safety things and be terribly careful as if you had insurance.

Most can probably go through life without ever having to use the insurance or be stopped by the police.

And if you ever do get into an accident, if it's not that serious, you'll end up paying the same amount up front as you did if you had made regular payments over many years.

If it's serious, no matter how you deal with it it's going to be expensive ... with insurance it will cost you ... without insurance you'll probably end up in prison.

Tune in for more from my TED talk

[–] bstix@feddit.dk 2 points 4 days ago* (last edited 4 days ago)

Where I live, the part of the car insurance that covers damages on others and their property is mandatory.

The insurance for yourself and your own car is optional, but I think it's fair to require some kind of guarantee that you can cover the potential damages that you are able to do to others with a car.

Cops will stop you, if you don't have the mandatory insurance, have unpaid car taxes, use fake license plates or skipped the EU check. Police cars have automatic license plate recognition to check that sort of thing.

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