Peer-to-Peer Insurance

Re:Peer-to-Peer Insurance by Mz on Thursday October 01, 2015 @01:09PM (#10312692)

Fwiw: I paid accident claims for over five years. Most claims fell into one of two categories: "accident waiting to happen" or people trying to get coverage for things like the chiropractic care they were going to get three times a week anyway. Only a tiny portion of claims really struck me as shit happens/man, it sucks to be you.

If you really want low health bills:

Do all that boring stuff you constantly read about, like brush, floss, eat right, exercise, and only drink in moderation. Do not ever get rip roaring drunk. Especially do not drive or engage in other dangerous activities while drunk or high. Don't sleep around casually. Don't ride a motor cycle. If you want to go hiking in the mountains, take the appropriate precautions and do not drink or do drugs.

A lot of claims will not be covered anyway if you were drinking, taking drugs or engaging in risky behavior (parachuting, mountain climbing). And keep in mind that insurance only protects against financial loss, and only to a limited degree. If you permanently maim yourself doing stupid crap, you will not only be stuck with high medical bills and reduced odds of making a good income thereafter, you are also permanently maimed, duh. Living with chronic pain and other issues of that ilk still sucks majorly, even if you win the lottery and are set for life financially.

/boring old fogey

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Re:Peer-to-Peer Insurance by morsch on Thursday October 01, 2015 @03:29PM (#10314002)

If I could offer you only one tip for the future, sunscreen would be it. The long-term benefits of sunscreen have been proved by scientists.

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Re:Peer-to-Peer Insurance by roymurdock on Thursday October 01, 2015 @03:37PM (#10314067)

Whereas the rest of my advice has no basis more reliable than my own, meandering experience. I will dispense this advice on HN.

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Re:Peer-to-Peer Insurance by fapjacks on Thursday October 01, 2015 @02:48PM (#10313629)

All around good advice, if your goal is to survive as long as possible. You miss out on some amount of fun, though. I don't mean that in any kind of "way", just that if that is your goal, this is some good advice.

[ Parent | on HN ]

Re:Peer-to-Peer Insurance by Mz on Thursday October 01, 2015 @03:02PM (#10313741)

What fun am I missing out on?

I have been rip roaring drunk, once or twice. It wasn't any fun and then I was sick afterwards.

I have hiked up mountains, in spite of a fear of heights. I did it sober and took appropriate precautions.

I am not suggesting you not have a life. If you want to drink, you can. You just need to have a designated driver or call a cab. If you want sex, you can have that. Just not with random ass strangers whose histories are total unknowns.

I enjoy my life. And I have very few regrets. I think "fun" that leads to regrets = you are doing it wrong.

But I was like that before I paid accident claims. Paying them just made me more confident that I am right.

Edit: I am genuinely curious what fun you think I am missing out on, though perhaps that is not clear. I really wonder what you think I am not doing that somehow makes my life less fun. Because I sincerely do not see it.

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Re:Peer-to-Peer Insurance by fapjacks on Friday October 02, 2015 @03:55PM (#10320892)

Well, this is what I wanted to avoid. I didn't mean it in any particular "way", especially an accusatory one. I've just done the opposite, basically living like there is no tomorrow. It was a lot of fun, but very dangerous, and it wouldn't be very good of me to advise anyone else to do it. But it was a lot of fun, a lot of the time. And regrets are easy to get over -- for me -- if I go into a situation telling myself "no regrets".

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Re:Peer-to-Peer Insurance by Mz on Friday October 02, 2015 @04:00PM (#10320918)

Thanks for replying.

I imagine if you and I had a good looooong talk, our positions would not appear so far apart. However, this is not the place for that.

Take care.

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Re:Peer-to-Peer Insurance by fapjacks on Friday October 02, 2015 @06:00PM (#10321609)

I think you're right. You too.

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