TIME TO BEND OVER ONCE AGAIN AMERICA!!

[tigerred59]

OK...I'm sure you have proof of that...

The insurance industry is going on a matrix of premiums paid by homeowners based soley on ZIP CODES. Those zip codes all fall unfavorably on low income homeowners, that is fuckin facts like it or not Top, its fact. We can attach any color to it, but it disportionally falls on the backs of poor black homeowners. I don't make this shit up, the industry does. But this is the reality, like it or not, the days of going by fuckin ZIP CODES should end, because GLOBAL FUCKIN WARMING DON'T GIVE A RATS FUCK ABOUT ZIP CODES. Homeowners who pay the LEAST in premiums, ARE THE BIGGEST AND MOST FREQUENT FILERS OF INSURANCE CLAIMS. Its time everybody pay a fair share of premiums and not just the poor, which is a proven fact. There are countless law suits out there to prove it, with Nationwide being among them

 

[tigerred59]

I have USAA. Long ago you had to be an officer to join. They changed that around 2000 or so opening it to E-5 (NCO's) and above and eventually to simply being in the service. Before I had them, I had Farmer's. Both have treated me well.

I think awhile back I tried them, Top and I don't recall why I was turned off, but I never perused it further. I think it was because they had ya jumpin through hoops, just to get a damn quote. Thus far my search has been fruitless, all the quotes are about the same if not higher....I'm tellling you this zip code bullshit needs to be upgraded and I will do my best to petition the Insurance Commisioner and my legislaters to address this issue. The industry is JUSTIFYING HIGHER PREMIUM RATES BASED ON THE GLOBAL WEATHER PATTERNS WE'RE GETTING YEAR AFTER YEAR AFTER YEAR, AND RIGHTLY SO, THEY ARE NOT HOWEVER ADJUSTING THE ZIP CODE MATRIX WHICH IS CLEARLY OUT DATED. TORNADO'S, HURRICANES, FLOODS, COULD GIVE A SHIT ABOUT ZIP CODES

 

[tigerred59]

Blacks pay more for insurance because corporations can charge them more. That is just a sad fact of life.

For 25 years I worked indirectly with the mortgage insurance industry and I saw first hand who was paying what and who wasn't paying what when it came to premiums. I could never say anything due to my job, but I saw this shit over and over and over....homes worth thousands upon thousands of dollars paying less than a grand in premiums and just by the names of customers, I would see Ms. Bueler May from Mississippi, paying a mint for a home not worth a pot to piss in, I seen this with my own eyes and I KNOW FOR A FACT, IF SOME AGENCY WERE TO LOOK INTO THIS, THEY'D FIND THAT LOW INCOME, MOSTLY POOR BLACK HOMEOWNERS BASED SOLEY ON THIS ANTIQUATED ZIP CODE BULLSHIT PAYS HIGHER EVER DAMN THING, IE PROPERTY TAX, THAN THOSE IN HIGH END AREAS. And the reason being, ITS GOT WHITE FOLK IN THEM HIGH END ZIP CODES AND GOD FORBID, THE WHITE MAN GETS BURNED

 

[T. A. Gardner]

I think awhile back I tried them, Top and I don't recall why I was turned off, but I never perused it further. I think it was because they had ya jumpin through hoops, just to get a damn quote. Thus far my search has been fruitless, all the quotes are about the same if not higher....I'm tellling you this zip code bullshit needs to be upgraded and I will do my best to petition the Insurance Commisioner and my legislaters to address this issue. The industry is JUSTIFYING HIGHER PREMIUM RATES BASED ON THE GLOBAL WEATHER PATTERNS WE'RE GETTING YEAR AFTER YEAR AFTER YEAR, AND RIGHTLY SO, THEY ARE NOT HOWEVER ADJUSTING THE ZIP CODE MATRIX WHICH IS CLEARLY OUT DATED. TORNADO'S, HURRICANES, FLOODS, COULD GIVE A SHIT ABOUT ZIP CODESo

Yes, to get a USAA quote you have to prove to them that you are either actively serving or honorably discharged. You can't and they won't give you a quote. The zip code method is about simplistic statistical sampling and theory. I learned all about it in college. For example, your personal driving record only raises your rate if you have something negative on it. The baseline policy is a clean record and the rate is based on your zip code.

 

[tigerred59]

Yes, to get a USAA quote you have to prove to them that you are either actively serving or honorably discharged. You can't and they won't give you a quote. The zip code method is about simplistic statistical sampling and theory. I learned all about it in college. For example, your personal driving record only raises your rate if you have something negative on it. The baseline policy is a clean record and the rate is based on your zip code.

You know that and others may know that T, but the industry preys upon those ignorant to baselined policies. I have no fault on my car, got maybe two tickets in all my years on this planet, I own a 2007 car, I pay 100 plus a month in NO FAULT INSURANCE....I have never cost the industry one dime in losses and yet, I pay out the ass for everything....I know you want to clear and clean up the disparaging unfairness in the industry, but black people are being taken advantage of and its wrong and its unfair, white man.

 

[T. A. Gardner]

You know that and others may know that T, but the industry preys upon those ignorant to baselined policies. I have no fault on my car, got maybe two tickets in all my years on this planet, I own a 2007 car, I pay 100 plus a month in NO FAULT INSURANCE....I have never cost the industry one dime in losses and yet, I pay out the ass for everything....I know you want to clear and clean up the disparaging unfairness in the industry, but black people are being taken advantage of and its wrong and its unfair, white man.

Did you know that there are ZERO studies to show that tickets outside of accidents is an indicator that you will be more likely to get into an accident? I found one with a sample of 500 that showed just that done in Michigan decades ago. The insurance companies know better than to do studies on that one. It'd cost them money.

On the other hand, getting into accidents, your fault or not, on a regular basis is an indicator you are likely to get into more accidents in the future and should have your rate raised.

They also charge more for certain types of cars not on the basis of value like you get hit if you drive a muscle or sports car for example.

Many insurers take advantage of everybody.

Oh, and just so you know, when I do side work electrical jobs (to keep busy pretty much) and go to the 'gunfire district' to some poor Black guy's apartment he gets the same exact treatment I give everybody else. You get treated by how you act. I will politely ask you not smoke pot if you are because, as I explain, it gives me a headache. I've sat on the tailgate of my truck and drank Mexican moonshine out of a mason jar with an Hispanic guy that speaks zero English. I wore a mask at a gay couple's apartment because they insisted I do so. Their house. At a mixed couple's apartment I had no heartburn taking off my shoes at the door because they asked. I treat everyone equally as a person and expect the same in return.
In fact, some of the biggest assholes are upper middle class, fairly rich guys who are White. I've been dissed by them more than once and what's funny is I'm not renting I own my house outright and likely have more in the bank than they do. They think I'm just some schmuck who came to fix their electrical problem. They piss me off and I will tell them off if they keep it up.

 

[tigerred59]

Did you know that there are ZERO studies to show that tickets outside of accidents is an indicator that you will be more likely to get into an accident? I found one with a sample of 500 that showed just that done in Michigan decades ago. The insurance companies know better than to do studies on that one. It'd cost them money.

On the other hand, getting into accidents, your fault or not, on a regular basis is an indicator you are likely to get into more accidents in the future and should have your rate raised.

They also charge more for certain types of cars not on the basis of value like you get hit if you drive a muscle or sports car for example.

Many insurers take advantage of everybody.

Oh, and just so you know, when I do side work electrical jobs (to keep busy pretty much) and go to the 'gunfire district' to some poor Black guy's apartment he gets the same exact treatment I give everybody else. You get treated by how you act. I will politely ask you not smoke pot if you are because, as I explain, it gives me a headache. I've sat on the tailgate of my truck and drank Mexican moonshine out of a mason jar with an Hispanic guy that speaks zero English. I wore a mask at a gay couple's apartment because they insisted I do so. Their house. At a mixed couple's apartment I had no heartburn taking off my shoes at the door because they asked. I treat everyone equally as a person and expect the same in return.
In fact, some of the biggest assholes are upper middle class, fairly rich guys who are White. I've been dissed by them more than once and what's funny is I'm not renting I own my house outright and likely have more in the bank than they do. They think I'm just some schmuck who came to fix their electrical problem. They piss me off and I will tell them off if they keep it up.

you and I are talking apple and oranges here T....I'm not targeting some social issue, I'm indicating and expressing facts that the INSURANCE industry uses antiquated matrix to gouge low income homeowners, my agent and how I'm treated got nothing to do with this discussion, nothing at all. I don't know why white men or white people period always always always try to justify the unfairness low income and minorities experience in this country...yall always want to shut down the discussion and move on or find some stupid analogy for its justification. I am talking facts and your talking some social interactions you've had.

 

[T. A. Gardner]

you and I are talking apple and oranges here T....I'm not targeting some social issue, I'm indicating and expressing facts that the INSURANCE industry uses antiquated matrix to gouge low income homeowners, my agent and how I'm treated got nothing to do with this discussion, nothing at all. I don't know why white men or white people period always always always try to justify the unfairness low income and minorities experience in this country...yall always want to shut down the discussion and move on or find some stupid analogy for its justification. I am talking facts and your talking some social interactions you've had.

 

[Walt]

For 25 years I worked indirectly with the mortgage insurance industry and I saw first hand who was paying what and who wasn't paying what when it came to premiums. I could never say anything due to my job, but I saw this shit over and over and over....homes worth thousands upon thousands of dollars paying less than a grand in premiums and just by the names of customers, I would see Ms. Bueler May from Mississippi, paying a mint for a home not worth a pot to piss in, I seen this with my own eyes and I KNOW FOR A FACT, IF SOME AGENCY WERE TO LOOK INTO THIS, THEY'D FIND THAT LOW INCOME, MOSTLY POOR BLACK HOMEOWNERS BASED SOLEY ON THIS ANTIQUATED ZIP CODE BULLSHIT PAYS HIGHER EVER DAMN THING, IE PROPERTY TAX, THAN THOSE IN HIGH END AREAS. And the reason being, ITS GOT WHITE FOLK IN THEM HIGH END ZIP CODES AND GOD FORBID, THE WHITE MAN GETS BURNED

Racism by area code is very successful.