[greyshep]

Originally Posted by PepsiFree

The suggestion that using the service you pay hundreds or thousands of dollars for each year in exactly the way it is designed (which the people you're dealing with also pay for) is somehow inhumane, is kind of insane.

That's what it's there for, that's how the system works. I believe in most contracts you make with insurance companies you are obligated to call them on "every little thing" (accident).

Callous? There are consequences for actions. If you take on an emotional burden for everyone else's actions, good for you, but the difference between paying a deductible + a small rate increase and paying for the entire thing out of pocket is hardly the difference between humane and inhumane.

Want to approach these situations with actual humanity? Forgive them completely and pay for it yourself. Otherwise, you're just doing the same as everyone else, just wasting a lot more time and thought, paying for something and willingly getting even less out of it, all for a perceived benefit you can't even quantify.

I'm glad going outside insurance works out for people. It doesn't make you compassionate.

You do you man!