G.D.D.Y Ploffmeg: Do Patriarchy Cupcakes Dream of Female Elves with Bacon?

The Million Dollar Prons · September 13th, 2009, 02:10 PM

I got mod permission to remake this thread.

I'm sure you all know the drill. I suggest avoiding religious and in-depth politcal discussion.

goddessofanime · September 13th, 2009, 02:15 PM

I ate chicken.

It was good.

Meggles · September 13th, 2009, 02:20 PM

I did homework for a few hours. It wasn't fun. I still have more to do before tomorrow.

Melion · September 13th, 2009, 02:20 PM

Me an my family went out on our boat today.

It was fun.

SapperSix · September 13th, 2009, 02:20 PM

I hope the Marines I coach shoot good this week at the rifle range.

Leader Desslock · September 13th, 2009, 02:21 PM

I had an idea regarding insurance the other day. it goes like this:

We all know the old argument against insurance, right? Having insurance is supposed to decrease personal risk in the even of an unforseen event, but in reality, many forms of insurance encourage riskier behaviour. A person might treat his prized sports car with a lot more care if he knew that he was going to be financially responsible for any damage to the vehicle, but with insurance, he can say, "Eh, I'm insured" and drive a little crazy.

The same happens with flood or hurricane insurance. A person builds a half-million dollar residence in a hurricane zone, knowing that if the worst happens and a big hurricane levels the place, he can at least recoup what he's lost. Sure, he pays through the nose for premiums, but would he build the same house if he knew that he wasn't going to get a dime when it gets destroyed? Would he be inclined to rebuild after the first destruction? I don't think so.

So my idea for insurance reform (for types of insurance dependent on the insured's actions) is this: You have full coverage for any losses that you cause anyone else in an accident or disaster, but you don't get a dime for yourself. The accident is your fault? One of your passengers and the other driver were injured, and you have a six-month hospital stay? Fine. The other driver and your passenger are covered, but you get nothing for your vehicle or medical expenses. Should'a been paying attention to the road, instead of texting, idiot. Now you've ruined your life for a bit, and... too bad for you. May your crippled body be a lesson to the next idiot.

Built your home in a flood zone? Well, it's gone now. House got destroyed by a hurricane? Huh. Maybe you shouldn't have put such a big expensive house there; it would've been a lot easier to replace a simple beach cottage.

Basically, let's insure people against harming one another, but let's not try to protect idiots from themselves.

Thoughts?

The Million Dollar Prons · September 13th, 2009, 02:26 PM

^ I think we already have that here. For example if I crash my car whoever I hit gets paid but me and my car are stuck.

**Haruhi** · September 13th, 2009, 02:55 PM

I'm tired. I must be getting old..

**Shiroiyuki** · September 13th, 2009, 03:14 PM

I'm drawing some anime characters for this contest I found on ANN. I like contests.

I've never seen the anime in question, nor do I think I will (unless I win the DVD's, woot), but it sounded fun so...what the heck!

Trefellin · September 13th, 2009, 03:14 PM

Quote:

Originally Posted by Leader Desslock

*Snip*

Basically, let's insure people against harming one another, but let's not try to protect idiots from themselves.

Thoughts?

What happens if you are permanently injured by an idiot who isn't insured?

Why would people ever fork out money for insurance that isn't even going to cover them?

**Holy Knight** · September 13th, 2009, 03:18 PM

Quote:

Originally Posted by Leader Desslock

Thoughts?

It should have been posted in my club.

But to seriously respond, I'd say that in this case no one is encouraged to pay since insurance would have no benefit to the buyer. It's like life insurance in this instance.

It also doesn't cover legitimate grievances. What if the other guy was being the idiot, didn't have this reform insurance, you can't pay your own insurance because of other priorities (kids, mortgage, etc.), and you end up in the hospital in the ensuing car crash?

I'd also argue that this kind of insurance encourages risky behavior, perhaps to a greater degree, because then the idiot can just say "oh, sorry! Here's my insurance!" to whatever damages he caused to someone else and get away with it.

While nice in concept, I'm not entirely sure about the practical applications since this type of insurance would hinge on the idea that it is obligatory for the entire nation (insurance is mandatory over here, but I wouldn't know about the States).

Leader Desslock · September 13th, 2009, 03:21 PM

Quote:

Originally Posted by Trefellin

What happens if you are permanently injured by an idiot who isn't insured?

I'd assume your own insurance would kick in, since it wasn't your own fault. But then, I think your insurance company should be able to take everything away from the idiot who injured you, in order to pay for their expenses.

Basically, your insurance policy would give your insurer the right to pursue civil action on your behalf, in the even of damages against your person.

Quote:

Originally Posted by Trefellin

Why would people ever fork out money for insurance that isn't even going to cover them?

They probably wouldn't buy it as often, but then... maybe they'd be more careful. Particularly in where they build their houses, etc.

Still, the insurance would still protect you from losing everything to compensate someone for damages you caused. Some people might pay for that.

Quote:

Originally Posted by Holy Knight

It should have been posted in my club.

Nearly did, too.

**Holy Knight** · September 13th, 2009, 03:38 PM

Quote:

Originally Posted by Leader Desslock

[...]

Oh, okay. I could see that working, actually.

There are some obvious pitfalls, but if it ends up being a factor which makes people more cautious, then I'm all for it.

Quote:

Originally Posted by Leader Desslock

Nearly did, too.

... Wait.

l0k1 · September 13th, 2009, 03:40 PM

Hungover

/uguu¬

fujyoshi · September 13th, 2009, 03:53 PM

I redid the background on both of my youtube accounts

http://www.youtube.com/user/fujyoshi

http://www.youtube.com/user/happymuffinmusic

look how epic they look :'D

September 13th, 2009, 02:10 PM	#1
The Million Dollar Prons Wild Like a Snorlax Join Date: Jun 2004 Location: The Mellon Colony of Haruhi Suzumiya. Posts: 13,051 Blog Entries: 17	G.D.D.Y Ploffmeg: Do Patriarchy Cupcakes Dream of Female Elves with Bacon? I got mod permission to remake this thread. I'm sure you all know the drill. I suggest avoiding religious and in-depth politcal discussion.

September 13th, 2009, 02:15 PM	#2
goddessofanime Urban Legend Join Date: Jun 2002 Location: BACK ONLINE Posts: 22,314 Blog Entries: 23	I ate chicken. It was good. __________________ Book blog!http://nogara40.wordpress.com/ Fanfic stuff. http://www.fanfiction.net/~gchansama

September 13th, 2009, 02:20 PM	#3
Meggles Is on Double-Secret Probation Join Date: Jan 2008 Posts: 1,201	I did homework for a few hours. It wasn't fun. I still have more to do before tomorrow. __________________ Frenchwoman (When noticing Benjamin Franklin had put on weight): Benjamin, what would you say if that was on a woman? Benjamin Franklin: Madam, twenty minutes ago that was on a woman. Team Yukari: All Forums Are Belong To Us

September 13th, 2009, 02:20 PM	#4
Melion I'll get your soul Join Date: Mar 2007 Location: On a island outside Sweden. I'M ON A BOAT! Posts: 4,983	Me an my family went out on our boat today. It was fun. __________________ "You have ruled this galaxy for ten thousand years, yet have little of account to show for your efforts. Such failure must be as depressing to bear as it is pathetic to behold." -Imotekh the Stormlord to Marshal Helbrecht during the battle for Schrödinger VII

September 13th, 2009, 02:20 PM	#5
SapperSix Stug Life Join Date: Dec 2007 Location: Way down in the hole Posts: 7,393	I hope the Marines I coach shoot good this week at the rifle range. __________________ "Retreat, hell! We're not retreating, we're just advancing in a different direction."-Gen. Oliver P. Smith Avatar-Shirley My Figures.

September 13th, 2009, 02:21 PM	#6
Leader Desslock It. Is. On. Join Date: Oct 2003 Posts: 13,706	I had an idea regarding insurance the other day. it goes like this: We all know the old argument against insurance, right? Having insurance is supposed to decrease personal risk in the even of an unforseen event, but in reality, many forms of insurance encourage riskier behaviour. A person might treat his prized sports car with a lot more care if he knew that he was going to be financially responsible for any damage to the vehicle, but with insurance, he can say, "Eh, I'm insured" and drive a little crazy. The same happens with flood or hurricane insurance. A person builds a half-million dollar residence in a hurricane zone, knowing that if the worst happens and a big hurricane levels the place, he can at least recoup what he's lost. Sure, he pays through the nose for premiums, but would he build the same house if he knew that he wasn't going to get a dime when it gets destroyed? Would he be inclined to rebuild after the first destruction? I don't think so. So my idea for insurance reform (for types of insurance dependent on the insured's actions) is this: You have full coverage for any losses that you cause anyone else in an accident or disaster, but you don't get a dime for yourself. The accident is your fault? One of your passengers and the other driver were injured, and you have a six-month hospital stay? Fine. The other driver and your passenger are covered, but you get nothing for your vehicle or medical expenses. Should'a been paying attention to the road, instead of texting, idiot. Now you've ruined your life for a bit, and... too bad for you. May your crippled body be a lesson to the next idiot. Built your home in a flood zone? Well, it's gone now. House got destroyed by a hurricane? Huh. Maybe you shouldn't have put such a big expensive house there; it would've been a lot easier to replace a simple beach cottage. Basically, let's insure people against harming one another, but let's not try to protect idiots from themselves. Thoughts? __________________ Desslock's opinion doesn't even factor in because he's played Devil's advocate for both sides of the argument... ~Chuchuchrain

September 13th, 2009, 02:26 PM	#7
The Million Dollar Prons Wild Like a Snorlax Join Date: Jun 2004 Location: The Mellon Colony of Haruhi Suzumiya. Posts: 13,051 Blog Entries: 17	^ I think we already have that here. For example if I crash my car whoever I hit gets paid but me and my car are stuck.

September 13th, 2009, 02:55 PM	#8
Haruhi S-mod Join Date: Jul 2001 Posts: 2,607	I'm tired. I must be getting old..

September 13th, 2009, 03:14 PM	#9
Shiroiyuki Leading Cause of Otaku Death Join Date: Jan 2005 Location: Looking though the windows of my mind Posts: 4,841 Blog Entries: 78	I'm drawing some anime characters for this contest I found on ANN. I like contests. I've never seen the anime in question, nor do I think I will (unless I win the DVD's, woot), but it sounded fun so...what the heck! __________________ SHIROIYUKI'S ART THREAD SEVEN SINS MY STORE

September 13th, 2009, 03:40 PM	#14
l0k1 Actor Join Date: Jun 2008 Location: Australia. Posts: 2,982 Blog Entries: 1	Hungover /uguu¬ __________________ War, never been so much fun.

September 13th, 2009, 03:53 PM	#15
fujyoshi Registered User Join Date: Jun 2005 Posts: 11,205 Blog Entries: 4	I redid the background on both of my youtube accounts http://www.youtube.com/user/fujyoshi http://www.youtube.com/user/happymuffinmusic look how epic they look :'D