THE ‘ACT OF GOD’ PARADOX

The city owns the tree that grows on your front lawn. The city will sue you if you cut it down. But when a tornado strikes with force and fury, picks the tree and slams it into your garage and takes out your car’s windshield too, the city tells you to go to the insurance company.

You go to the Insurance Company and file a claim. But they reply saying that you certainly cannot file for any damage costs as it is considered as an ‘Act of God’ , and when it is so declared, you cannot be compensated.

But the irony is that the insurance company is owned by a bunch of atheists!

What Insurance?

Insurance companies baffle me. First, they come to us, they beg for an appointment, stuff our mail boxes with their flyers, brochures, blah-blah crap, they call us, lecture us on the benefits that don't exist, give us promises that they know they will definitely not keep, ask us for referrals, and finally we give in. Then, one fine day and out of the blue (or overcast day) they put you ‘on watch’, later on a cold winter morning ‘on warning’ and finally ‘on hold’.('Your call is important to us, please remain on the line' message still exists on their answering service, which should have been deleted long ago, like as if they really care!)

First of all, I think calling themselves an INSURANCE COMPANY is a misnomer. They should call themselves ‘ HPB -High Premium Bully',‘NRTE – No Risk Taken Enterprises’ or something like that. Had they been so called then I would not sign up in the first place. They should not call themselves a ‘company’ as they definitely don’t like to keep it. Nor should they include the word ‘insurance’ in the title as we are not insured for the risk – in fact they are ensured with our money - the premium. The lesser the liability we are for them, the more money they make. Could it be more simpler?

So take care. You should treat them as "high risk" before you sign up. Shop around. Get more assurance in your insurance.