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Car insurance has no lifetime limit. The limit is either per year or per event.
Car insurance is sold in a 6-month or 12-month policy term, with a "lifetime limit" during that term. You can buy a new policy at the end of the term, but the insurance company isn't obliged to sell it to you.
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The entire point of insurance is to pool risk so that a bunch of people together pay reasonable amounts, instead of a few people paying enormous amounts and the others paying less. Lifetime limits give you lower rates in exchange for making the insurance much less like actual insurance. If we’re talking about “don’t piss on my leg and tell me its raining,” don’t sell me “health insurance” that will leave me high and…
It's absurd to say that imposing a limit is somehow misleading for something sold as "insurance." "Actual insurance" almost always has a policy limit. Everything from car insurance to corporate liability insurance has a limit. I can't think of any "actual insurance" besides health insurance that doesn't have a limit. Again, I'm not arguing against having health insurance be unlimited. I'm taking exception to your rhe…
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In the US, it would have been sufficient to vote for a different party. Enjoy the government, the majority of you people voted for.
In the US we are currently enjoying the government (at least in the executive) that the majority of people did not vote for.
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And before people get too comfortable -- Every single "Obamacare replacement" plan does away with the ban on lifetime caps either directly or indirectly. These are enormously beneficial to insurance companies (they essentially have unlimited liability without them) and there is a ton of money to have the caps reinstated.
> These are enormously beneficial to insurance companies (they essentially have unlimited liability without them) and there is a ton of money to have the caps reinstated. I don't understand why you'd phrase it this way. Under the ACA, 80% of premiums have to go to medical care. A dollar saved providing care disproportionately benefits the premium payers, not the company. People act like all this money comes out of in…
Sometimes I’m just amazed that people haven’t risen up in bloody revolt yet. Recently my mother had a flare-up up radiation-induced pneumonitis and the PPO insurance she pays $14,000 annually wouldn’t approve a single unit of Advair. It took a week of talking to doctors and insurance drones to figure out that they were pushing her to an alternative that cost them $100 less. If I woke up tomorrow and people were burni…
Half the population have below average IQ's, and even people with above average IQ's still struggle with abstractions. These topics are complex and it's easy to frame the negative state in a way for low IQ and poorly educated people to grasp, so they tend to side with what they "think" they understand.
I am sympathetic. From HN stories, the US health care situations seems abysmal. BUT, i want to make 3 counter points, if only for the sake of discussion. a. Cancer for many is a terminal disease. There are always some very very expensive and experimental or marginal treatments. If u have money, and are going to die, and decide to spend all you can to squeeze an extra year of life , i am very sympathetic but even the…
Buying a $60k car seems like a completely insane concept to me, even with a Silicon Valley tech industry salary. Even $16k (used) was higher than I wanted to pay for my current car.
* In the United States.
I am sympathetic. From HN stories, the US health care situations seems abysmal. BUT, i want to make 3 counter points, if only for the sake of discussion. a. Cancer for many is a terminal disease. There are always some very very expensive and experimental or marginal treatments. If u have money, and are going to die, and decide to spend all you can to squeeze an extra year of life , i am very sympathetic but even the…
You're almost right, just one country too many :)
That's not considered a low-cost car in the United States. If you think it is, then you've been spending too much time around the type of people who hang out on Hacker News.
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Is China civilized? Cuz it definitely happens there. I've heard a doctor ask a family how much money they've got in the bank, and took it all to keep a dying uncle on life support for another month. A crime.
> Is China civilized? No. The rampant corruption, lack of free speech, etc don't qualify as civilized IMO.
I am sympathetic. From HN stories, the US health care situations seems abysmal. BUT, i want to make 3 counter points, if only for the sake of discussion. a. Cancer for many is a terminal disease. There are always some very very expensive and experimental or marginal treatments. If u have money, and are going to die, and decide to spend all you can to squeeze an extra year of life , i am very sympathetic but even the…
Buying a $60k car seems like a completely insane concept to me, even with a Silicon Valley tech industry salary. Even $16k (used) was higher than I wanted to pay for my current car.