"Did you read the hundreds of pages of fine print, though?"
@Miriamm Corollary: “Sure we’ll give you money, but only after you give us a bunch more for some reason we made up.”
@Miriamm Seems like an additional square could be added where they raise the rates for the money they don't give you.

@WildEyedBoyFromFreecloud @Miriamm

That’s right! My property insurance went up a lot once. When I asked why, they said I had a claim for my roof. I checked my records & I did not file a claim. I merely called to ask if a small roof leak problem was covered. They said I’d hafta fle a claim to find out, but I never did! They counted my question as a claim giving them the excuse to raise my rate.
#insurance #corporategreed

@Miriamm @courtcan I have two insurance providers: one private, one gov. While was treated at an MTF recently, I received letters from the private ins that a) my in-patient services were covered and b) none of my in-patient services were covered. 🤷🏼‍♂️
@Miriamm sanidad pública siempre
@Miriamm
Maybe that could be a use of chatgpt? It reads our agreements and gives a summary of exclusions (things they won’t pay for). I don’t read any agreements. TLDR
@mcnulla @Miriamm absolutely, ML chatbots are very good at legal texts.
@Miriamm We need to make universal healthcare a focus point in every election cycle.
@Miriamm
Note that there is at least 3 months of time between panels 2 and 3. Just enough time to forget about it so when the bill shows up, you're confused AND anxious.
@brandont
@Miriamm This appears to be a comic version of a TikTok video. Art is constantly evolving.

@Miriamm *in the US.

I think it's better in other countries?

@Miriamm but, but… I am told Amica (insurance company) stands for empathy!😱😱😱
@edgeoforever
I thought it was Latin for "shuriken".
@Miriamm
@Miriamm it’s actually ‘No - and now you’ve asked we are going to charge you more because you are a higher risk now’

@Miriamm That's the good part if you have actual customer protections per law:

They need to not only clearly state what they cover but they also MUST COVER certain things and can only afterwards reclaim money if someone acted in gross neglect and only from them.

@Miriamm
The entire business model is based around not paying claims. How American.

@Miriamm It's business model is incentivized to not pay claims by insured to generate more profit for shareholders and Executives.

Why is anyone surprised they refuse to pay policy allowable claims for contorted reasons?

The confusion and complexity exist to encourage you to give up, and pay what you pay them to pay. You are screwed twice. Welcome to private insurance.

@Miriamm

Yup. Guy I went to law school with got his first job at an insurance company that covered property damage. His specific task was, for any claim over $5,000, to see if there was a basis for denial. That's all he did for them: find ways not to pay claims.

@Miriamm This is how it works in US, right? 🤨
@Miriamm Don't forget the part where you can show the insurance policy specifically covers your kind of injury, but they've got a paragraph on page 397, paragraph 7(c) part 2, which says "Haha no, we don't really."
@Miriamm in Murica the insurance company will laugh at you like JK Simmons as J Jona Jameson .
@Miriamm “You got it buddy
The large print giveth
And the small print taketh away”
— Tom Waits, “Step Right Up”
@Miriamm reminds me of a still relevant Monty Python skit. “It states very clearly that no claim you make will be paid”
@Miriamm @aral On the one hand, I am not in favor of supporting the endlessly enriched conglomerates, but on the other hand, through such stupid pictures, people then land under the bridge, where they die, because not only do they have no money for home or food, but also for medical care...
@Miriamm yet for some reason, when a tornado rips off a roof, the insurance does pay.