Hospital, Scams, Insurance and Transportation: Insurance is a racket

Insurance is a racket

By Chriso - 17/11/2009 11:48 - Australia

Today, I was finally discharged from hospital after being in there for one month, I arrive home to find a letter from a debt collection agency for my unpaid car insurance premium, and another letter from my car insurer to say that they aren't covering my accident due to non payment of premium. FML

I agree, your life sucks 30 421

You deserved it 3 957

Labour Day: Rest or Disaster?
Find out how a day off can turn into a series of hilarious, unexpected events. More…

Previous FML Next FML

Same thing different taste

Cancel culture

By Anonymous - 17/12/2023 17:00 - United States

Today, I found out that my insurance canceled my contract, claiming I hadn't paid, even though I had. I only discovered this because I backed into a car. FML

I agree, your life sucks 480

You deserved it 97

By Lisa - 04/11/2010 14:42 - United States

Today, I received an overdue bill for my now nonexistent car that caught fire in July. FML

I agree, your life sucks 28 173

You deserved it 3 565

By Anonymous - 29/03/2018 15:00

Today, after three weeks in the hospital for a lung infection, I was released. On the way home, another car ran a red light and T-boned my car. Back to the hospital I go. FML

I agree, your life sucks 4 723

You deserved it 195

By Sean - 09/09/2013 21:04 - United States

Today, I went to my insurance company to deal with some paperwork. One of their employees backed into my car before I made it into the building. FML

I agree, your life sucks 45 867

You deserved it 2 995

Round trip

By Anonymous - 13/11/2021 20:31 - Australia - Adelaide

Today, I got home from hospital after being sent there for suicidal intentions because I'm poor, chronically ill and want out of my life. Five hours later, I was sent home after being given one Valium and a taxi ordered, that I had to pay for. FML

I agree, your life sucks 1 094

You deserved it 123

By Username - 14/10/2010 19:02 - France

Today, I was called up about a job I'd recently applied for. I was overly excited to tell them I'd be there on Monday. Then I remembered I canceled my car insurance due to financial difficulties. I have no way of getting there. FML

I agree, your life sucks 24 406

You deserved it 8 391

Spending spree

By Anonymous - 21/09/2023 04:00 - Australia - Brisbane

Today, I got a pay bonus and spend it on paying for 12 months of car registration up-front for the first time in my life, filled the tank, and got it professionally washed. After all that, I accidentally reversed into my own house, causing major damage. I have to borrow the money for the insurance excess. FML

I agree, your life sucks 320

You deserved it 607

Chancer

By annoyed - 24/09/2017 01:30

Today, I received an email from my insurance company about a claim that happened over a month ago when I hit someone from behind. I was very apologetic and stated it was my fault, and now they're trying to claim replacement vehicle costs. I was going under 10mph and their car only had a scratch. FML

I agree, your life sucks 3 711

You deserved it 489

Thanks, vultures

By Seizure Surprise - 21/02/2024 23:00 - United States

Today, I had a seizure at work and had to go to the hospital. I'd saved up a bunch of money and was on the verge of moving out at the embarrassing age of 26, but thanks to lackluster health insurance, I lost all of my money and am now in debt. I also now can't drive for six months. FML

I agree, your life sucks 643

You deserved it 95

By thanksmom - 02/06/2011 09:27 - United States

Today, I was released from hospital after being in a car accident. I used the phone book to call people I know to get a ride home, as my wallet and cellphone were still in the wrecked car. I had called my mom to come get me, but her response was "I don't feel like it." I live with her. FML

I agree, your life sucks 38 879

You deserved it 2 987

Jewelofagal 2

Tuesday 17 November 2009 16:11

This means you were behind in paying your car insurance BEFORE the accident even happened. Expensive mistake.

perdix 29

Tuesday 17 November 2009 16:53

Don't expect any sympathy from us Americans. You are screwed just out the cost of a car. Had your accident occurred here, you would have racked up about $500,000 in medical bills and your private health insurance (our only option) would have been cancelled. And you'd be screwed out of the cost of a car, too.

Comments

Don_fml 0

Wednesday 18 November 2009 18:15

Oh yeah! Forgot one thing: Insurance companies don't use collection agencies. They just cancel your policy.

maruchan 0

Wednesday 18 November 2009 21:53

YDI. Pay your bills a little more timely. I'm surprised Darwinian principles haven't kicked in yet.

Ninjaface 0

Thursday 19 November 2009 8:45

I think the fml is that someone else wrecked the OP's car while he was in the hospital.

WTFsGoingOn 0

Thursday 19 November 2009 9:23

#32, exactly what I was thinking. Insurance companies will cancel your policy if you do not pay, they do not commonly send you to collection agencies because the majority of these companies charge you for the month of service (or 6 months of service, what ever) in advance. That on top of the fact that even if they did use a collection agency for some reason it would have needed to be behind by more than one month to get turned over to one make this BS. I don't know about everyone else but my car insurance is due on the same day of each month. Even if I was in the hospital I would still be aware that the 28th of the month was coming up, knowing this I would call them to work something out. Had you made any effort to contact them in advance they would have worked with you. Pay your bills and stop complaining and take some responsibility for your own actions.

WTFsGoingOn 0

Thursday 19 November 2009 9:27

Who wants to bet that the OP caused the accident that put them in the hospital as well? Consider this, commonly an accident that puts someone in a hospital requires more than one car (unless you are really bad at driving and hit a pole or other inanimate object). Had they not been at fault the other driver's insurance would be covering the damage to their car as well as their hospital bills anyhow. I bet they are mad because they didn't pay their insurance, caused an accident and now their insurance company told them that they are not going to pay for the damage to their car or cover the other person since they were not keeping up on their bill.

Shoop_da_woop 0

Friday 20 November 2009 10:00

You mean "the hospital." You were discharged from "the hospital." You sound ignorant as **** when you leave out a simple article of the preposition. Another case is when the damn English talk about "University."