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[RC] Insurance Rant - katswig@xxxxxxxxxxxxx

Maryanne said:

HOWEVER, I think that the way the insurance companies try to run
your lives is absolutely aggravating. Hey, none of us are going to 
last forever anyway. I work hard to have well socialised animals, 
maintained equipment and all the other things to ensure my safety and 
the safety of my friends and passersby. But I really hate being told 
by some company that I "can't" do this or that.

Insurance companies aren't trying to run our lives. What insurance
companies do is calculate risks and charge accordingly.  If they don't
charge extra for added risk, that means they will have to charge the people
whose activities aren't higher risks more to cover the fact that they
aren't charging the people whose activities are higher risks.  So, unless
you want to get charged for risks that you don't take, don't complain about
getting charged for risks that you do :).

Additionally, insurance companies don?t tell people that they "can't" do
this or that.  They just tell them that if they do, they aren't insured for
it.  At which time, individuals can decide whether they want to shoulder
the risk themselves...or pony up extra for the insurance.

kat
Orange County, Calif.

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