Lawyers and Insurance Companies

I hate lawyers.  All they do is complicate things and drive up costs.  Lawyers are wrong 50% of the time if their case goes to trial charging you $550 per hour along the way.  No wonder you can never get them to shut up or write you a one-page opinion letter.  The longer they talk and write, the more they charge you.  Lawyers create problems to make you believe they are needed to solve them.  You have to keep them on a short leash or they will suck you dry in a heart beat.  In the end the final decision is on you, so they don't really have any skin in the final outcome but collect plenty along the way.  You have the same odds flipping a coin, but way less expensive.  What a racket.

I hate insurance companies.  If ever there was an industry that blatantly &*%$ people over, it's the insurance companies.  I think of TYD's (one of my Minnesota coven) now deceased father quite a bit lately as I deal with the inner workings of insurance.  He never purchased insurance for anything unless absolutely necessary; he only had catastrophic coverage where the premiums are very low, but the deductible high.  However, he was covered if a tornado came through and demolished the house.  TYD's dad had an investment account to deal with the unforeseen automobile fender benders, minor storm damage, and the like.   Once he penciled out the premiums and the hassle of actually collecting from an insurance company should he ever actually need to use the it, he figured he was money ahead if he invested it.  He figured why pay all those expensive premiums when they just jack up your rates if you actually use it?  Smart man.

I deal with the side of insurance - mostly medical - that the public does not see.  I don't care how 'customer friendly' the commercials are where they pretend to care about you.  They are out to collect as much as possible in premiums and not pay out while their executives throw lavish parties in exotic locations.  I've seen it with my own two eyes.  I could not believe the fancy parties insurance companies throw whilst somebody who is suffering greatly is getting their life-saving medication denied because it's 'not part of the plan.'

The only thing I hate more than lawyers and insurance companies are the lawyers for insurance companies.