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Debate ? What debate ? You posted your opinion....
Posted by TKC (more from TKC) on Fri, 19 Sep 2008 05:08:55
In Reply to: Re: Steve, Mr. Know-it -All, why you bother to post here ?, steve, Thu, 18 Sep 2008 20:20:21
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without understanding or consideration, how's that a debate ?
Admit it, you have no idea how insurance works especially catastrophic events. Do you understanding insurance pricing ? Do you know how it is "actuarially" priced ?
Let me ask again, if property and casualty insurance is a scam, why do you have it ? Now if you think insurance is a scam, would reinsurance even a bigger scam to you then ?
Let me put it this way, if an insurance company charges premium that can cover 100% of losses, current and future losses (i.e. infinite) + operating expenses from the start of business, no one can ever afford to pay the premium. Guess who will be screaming for relief, price reduction .....yes that would be you using your favorite word "scam".
Would you rather have risk protection 95% of time for a non-cat loss by paying a "scam" premium or no protection for any loss normal or otherwise ?
On the other hand, would you pay, say 10,000 times what you call the normal "scam" premium and get 100% all the time for all time ?
What you are asking is infinite bail out no matter what and a system that can do no wrong. You know, there is a political system that is meant to do that, I believe it resembles something like communism.
posted by 138.89.73...
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