By Braddah Lance
Wen you hear da word "insurance", wat are da first words dat comes to mind?
Scam. B.S. Why? I no need. How come need? How come THEY no mo'? I no like. Rip off.
I going straight up say dis, insurance companies suck wen it comes to helping out da good guys! Yes, I do consider myself one of da "good guys" and it really does suck wen you do things right and follow da law - or watevah da situation may be - and YOU come out on da wrong end. All of da following has happened in a span of a year and it just makes me sick to tink dat even though I stay paying for someone to get my back, I still end up with loco moco in my face.
My truck in da last year have been in more accidents and hit and runs than I want to remembah and prior to da 10 years of owning it, it has nevah been in so much pilikia by oddahs who no have insurance or just no care. Early last year, Da Wife was involved in an accident by a moke who rolled backwards into my truck on da H1 causing about $750 worth of damage (Serving and Protecting With Aloha blog). Of course he nevah have insurance but I, being da law-abiding citizen, had to. My deductible is $500 and being dat I would have to pay not only da deductible to get da truck fixed but da higher premium thereaftah by filing a claim, I decided to leave da truck "broken".
Then a few months latah anoddah moke wen hit and run da truck (Unfrickinreal blog) causing some pretty serious damage and again, I in da same boat as previously stated wea I like 'em fixed but I da one gotta ante up cause da oddah guy more than likely nevah have insurance but then again, s/he nevah stick around for me to find out.
Did I mention dat in da first incident I had to do all da investigative research to locate da drivah and da owner (not da same person) then basically State Farm didn't want to do jack $h!t about it in terms of pursuing damages against either of 'em. Did I also mention da there were two oddah incidents from on street parking while I had to drive da truck into work about a month ago?
Then those who read WWD! regularly know dat my motorcycle literally blew up while I was riding into work about a month ago (Really, Wat Else? blog) but my insurance company won't cover a penny cause I ended up being an experienced rider who knew wat to do and avoided an "accident" even though I got full coverage on da bike.
Aftah speaking wit Progressive, and having them acknowledge on recording, dat they won't cover an experienced and skilled rider who kept from causing an accident but they would have covered me if I was an inexperienced rider who crashed his bike. Please explain to me how being an experienced rider would negate coverage? And all dis time I thought all da insurance companies boasted about "rewarding/protecting" good/excellent drivers? I might as well have just jumped off da bike and let it crash!
Are your eyes rolling yet?
Like an infomercial, WAIT! There's more.
Then, two times in less than three months Da Baby experienced a seizure which required us to call 911 for emergency services (Da MOST Scariest Three Minutes I Don't Evah Want To Face Again and Target(ed) blogs). While I am grateful for their services, upon receiving da bill for $1,000+ per incident and latah on da HMSA "statement", I was outraged dat HMSA did not cover it.
BL: We received the statement and wondering why the ambulance wasn't fully covered? Doesn't my plan have emergent care coverage?
HMSA: You didn't use a participating provider.
BL: Excuse me? We called 911 for an ambulance.
HMSA: Yes, and the ambulance service was a non-participating provider so you're responsible for 60% of the charges.
BL: You mean, now if/when we call 911, we need to ask to send a HMSA participating provider ambulance? It's an emergency! We have NO CHOICE! They send whomever they want to send.
HMSA: There isn't any participating provider on the island.
BL: HUH? Really? Then why have it listed on the handout? Shouldn't there be an asterisk with a "disclaimer note" for that coverage then? That seems like a "choice" people should be able to have then if it isn't covered. I should just say I'm homeless and it's 100% covered right?
Aftah realizing it wasn't going anywhere and fruitless to continue cause I wasn't speaking to da "right" person, I got off da phone.
Everyone say it with me now......... Wassup Wit Dat!
Between all da damages on da truck, an incapacitated motorcycle and questioning if I can afford a 911 call now, it's a wondah why I just don't pack it up and live on da beach wea everything is "free".