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Subject: How come car insurance doesn't work like health insurance?

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When I see the doctor, I pay $20 up front, and the rest is covered, no matter what the issue [usually]. How come car insurance isn't like that?

Car insurance is great when you're in an accident, but all of the repairs come out of my pocket. Brakes, tires, oil changes - that's all me.

What gives?

[Edited on 01.02.2013 12:16 PM PST]

  • 01.02.2013 12:16 PM PDT
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I dunno I don't have health insurance...

[Edited on 01.02.2013 12:17 PM PST]

  • 01.02.2013 12:16 PM PDT
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If you assign every letter of the alphabet a number, a is 1, b is 2, etc., and you take all of the values of the word "MATH", and add them, you get 42. So math is the meaning of life, the universe, and everything.

Never thought of that, actually. Pretty interesting question though!

  • 01.02.2013 12:17 PM PDT
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Well, here we are. I guess that it was destined to come to this.

You can buy an extended warranty.

  • 01.02.2013 12:18 PM PDT

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Insurance in general, but auto insurance in particular, is most surely one of the best examples of the kind of parasitic industries that do little to nothing for humanity.

[Edited on 01.02.2013 12:18 PM PST]

  • 01.02.2013 12:18 PM PDT

Because money. Unfortunately that's what it all comes down to.

  • 01.02.2013 12:18 PM PDT

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Cuz insurance is cray!

  • 01.02.2013 12:18 PM PDT
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Sounds like you only have liability insurance.

  • 01.02.2013 12:18 PM PDT

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Posted by: Delta Twilight
Insurance does cover repairs due to accidents. Or at least some.
Right. But I'm talking about general maintenance repairs, not repairs from accidents
Posted by: chronicaddict420
Sounds like you only have liability insurance.

You're probably right. I've had the same insurance forever, so I don't even remember what the details are.

  • 01.02.2013 12:20 PM PDT

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Posted by: Recon Number 54
You can buy an extended warranty.
They even sell ones that are 3rd party now.

  • 01.02.2013 12:22 PM PDT

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Posted by: Delta Twilight

Posted by: MadMax888

Posted by: Delta Twilight
Insurance does cover repairs due to accidents. Or at least some.
Right. But I'm talking about general maintenance repairs, not repairs from accidents

Oh. They don't have an obligation to cover that.
...which is where my question comes from.

  • 01.02.2013 12:23 PM PDT

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Posted by: MyNameIsCharlie

Posted by: Recon Number 54
You can buy an extended warranty.
They even sell ones that are 3rd party now.
Is that new? It used to only be through the dealer, right?

  • 01.02.2013 12:23 PM PDT
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Posted by: Recon Number 54
You can buy an extended warranty.
Or conversely, you used to be able to buy health insurance that covered only major medical. I don't think those policies are around any more, are they?

  • 01.02.2013 12:24 PM PDT

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Posted by: Delta Twilight

Posted by: MadMax888

Posted by: Delta Twilight
Oh. They don't have an obligation to cover that.
...which is where my question comes from.

I get that. You should have known what they covered when you bought the insurance. Sounds to be like you expect them to do that when they never claimed to do it. If you want something more direct, it's because it's not profitable on their part.
I'm aware my policy doesn't cover regular maintenance and repairs, and I'm not saying it should. My question is why does car insurance not work like health insurance? My health insurance covers me for check-ups, physicals, and whatever normal things, not just when I'm in a fight. I think car insurance should do that, too.

If they do that already, and I'm just not aware of it, then that's my fault.

  • 01.02.2013 12:27 PM PDT

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Posted by: MadMax888

Posted by: MyNameIsCharlie

Posted by: Recon Number 54
You can buy an extended warranty.
They even sell ones that are 3rd party now.
Is that new? It used to only be through the dealer, right?
I used to hear it advertised on talk radio all the time.

  • 01.02.2013 12:28 PM PDT
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Because if it did, the costs would be incredibly high.

And if states continued to mandate you carry auto insurance even with that policy, the people most impacted would be the poor and middle class - those who can't afford new cars with warranties and less risk of needing repair.

But as said, there are companies that offer auto repair insurance.

Posted by: Locke357
Insurance in general, but auto insurance in particular, is most surely one of the best examples of the kind of parasitic industries that do little to nothing for humanity.

LOL. Remember that if you inadvertently cause an accident and the guy sues you for medical bills, pain and suffering, etc. and you get a judgment for tens of thousands of dollars placed against you.

[Edited on 01.02.2013 12:32 PM PST]

  • 01.02.2013 12:30 PM PDT

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Posted by: A Good Troll
Because if it did, the costs would be incredibly high.

And if states continued to mandate you carry auto insurance even with that policy, the people most impacted would be the poor and middle class - those who can't afford new cars with warranties and less risk of needing repair.
Is such a policy even available, though? I would love to pay extra to have my maintenance and repairs covered, at least partially.

I can see how it would affect lower income people if it were mandatory, but a policy like that should be optional, not mandatory.

  • 01.02.2013 12:32 PM PDT

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That'd make premiums skyrocket, and insurance providers apparently think their business would be more competitive by offering less services but also at a lower rate. Instead, that option is available through an extended warranty.

[Edited on 01.02.2013 12:36 PM PST]

  • 01.02.2013 12:35 PM PDT
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Posted by: MadMax888
Is such a policy even available, though? I would love to pay extra to have my maintenance and repairs covered, at least partially.

I can see how it would affect lower income people if it were mandatory, but a policy like that should be optional, not mandatory.

Sure, just an example of one.

This one doesn't cover things like brake light bulbs and such, but would cover things like say, a blown wheel bearing or a blown headgasket.

  • 01.02.2013 12:35 PM PDT

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Posted by: theHurtfulTurkey
That'd make premiums skyrocket, and insurance providers apparently think their business would be more competitive by offering less services but also at a lower rate.
Obviously it would cost more to hold such a policy. But if I'm willing to pay a higher premium for it, I don't see why not...

  • 01.02.2013 12:36 PM PDT

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Posted by: MadMax888

Posted by: theHurtfulTurkey
That'd make premiums skyrocket, and insurance providers apparently think their business would be more competitive by offering less services but also at a lower rate.
Obviously it would cost more to hold such a policy. But if I'm willing to pay a higher premium for it, I don't see why not...


Insurance works by pooling money from all customers, like an investment group. Unless the option became popular with that business (which would require a majority of wealthy and willing customers), you'd end up paying more in premiums than you would for maintainence. Instead, you should just buy an extended warranty from a dealer or third party to cover your general repairs if you have calculated that on average you spend more per year on repairs than the warranty costs.

[Edited on 01.02.2013 12:41 PM PST]

  • 01.02.2013 12:39 PM PDT

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