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Originally Posted by Mr. Sandman
No, they are not just insuring the newbie it is a gazillion people some new some like me that have put in for years without claim! You see insurance companies have been culling out higher risk people for years this is a step in that direction. I don't think I am at higher rish then those in FLA though? Moreover this culling shows what dirtbags they really are. I use to run a small company and negoationed and paid the health preimums. Most companies are sleezy and will try to get exclusions for some people with conditions that are not even "pre-exisiting" just higher risk ( something running in the family). I saw this first hand and later watched a good friend who later died of breast cancer and my best friend foot the bill personally because the insurance company balked at anything to do with her. It was a nightmare and almost wiped him out. I have also seen in from the other side (wife is a doctor) and watched over the collections. Let me tell you they are they don't pay out jacksh*t to docs and hospitals...I have seen collections in some cases to .20 on the 1.00. These dirtbags take their cut first. Their profits were insane in the 90's and they didn't bank it for the rainy day they lost it...I hope they take it in the rear, they suck.
Also you ARE stuck with them! You mortgage requires it! You can't go alone.
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Sounds like you didn't read your policy cause if they denied a claim for something that was in the policy you'd certainly have a winable suit. Your also saying that they should be forced to take what they consider to be bad risks - what other professions is required to take business that they will loose money on. Ask a dr. to do something for free and you can laugh your way to the funeral home. Since your such an expert you should start a classless action suit. As I said before, if you don't like insurance, drop all of your elective coverage. Your the one who sounds like a dirtback with the language you use.