Look at that minor body damage and a cracked windshield, Total it, here is 6% your cars value back! No no you can't just have someone fix it we already are towing it and any personal possessions in it away to be crushed and not even parted out or sold as an art piece.
It is protection. But not in the "defends you from something happening," sense, but in the "pay this 'protection' money or something bad will happen," sense.
I'm not quite sure what's wrong with the system, but in my experience - they don't pay me back a small fraction of what I paid them. They pay me back full and give a little extra on top of that. Maybe - I have some extra "luck" for fender-benders that always end in total loss. I still hate them, but also have mixed feelings. When all that mattered was money - I'd say it's surprisingly honest business. The problem is - you have to lose a significant amount of mental health fighting with those bastards for everything. You had an accident, reported it. Nothing happens, until you threaten them you will personally kill them for a fourth time. OK, they finally registered the case and send someone to look at the car. But no temporary replacement car for you. In my country they are legally required to cover it, but nah. But 10 calls later, fine, you get quite a nice ride. Then they send you their calculations. Then you threaten you will rape their hamsters again (seriously - I was just threatening them with a lawsuit and quoted some lawyer mumbo-jumbo). Then they send you their new calculations, you check it again, and it turns out you will fix that totalled car and will have some "free" fuel for a while ;) So... They pay. But it's always like drawing blood from the stone. IDK, maybe if some less assertive people deal with them they don't pay the money they are legally obligated to pay. I wouldn't be smarty pants here, but the experts told me that I have to question everything the insurance companies offer. It works, it pays off, but it's such a crazy annoyance. First they ignore you. Then they offer you 20%, then 50%, then 75%, then after a long hard battle - like 110% of let's say of what's more or less fair. Of course - if you don't fight them - you get 20% and probably quite late. And nah, I didn't hire a lawyer for those things. I educated myself from Internet. Read fine prints. Read everything. Do your own calculations. Ask independent insurance experts. Call some insurance lawyers, they can offer you a piece of advise over the phone for free. In some cases they can even take your case for free and get their fee from the lawsuit winning.
My mother used to work for an insurance company. They gave her the most stressful position (she's one of the people called if someone died) without any training, as well as keeping their staff so low that she, and her team, had to each do the work of two or more people. So yeah, insurance doesn't just screw over the people paying for it. My mother starts her new job on Monday.
Good! I detest companies like that. There should be a way of legally (and legally safely) exposing their malpractice, for customers and staff - so no one uses them and they can't recruit anyone again. And keep an eye on the owners if they buy out another company or start a new one. First sign of their shenanigans and it's exposed time again! Good luck to your mum. When you see her next (if you're not living with her of course), please send her my best wishes and hopes that she's going to love her new job! 💕
REMINDER: CHANNEL UPDATE: As you can imagine, our 15+ year-old channel has a TON of copyright violations on older content, and UA-cam has suggested we get rid of the offending videos as they're negatively affecting us. And while some videos nobody will miss, I've noticed several GOOD videos that I would hate to lose. As such, I'm going through and downloading old videos, editing out the copyright violations where I can (I don't have the original files so it's tricky) and every Thursday for the next little while we'll do a "THROWBACK THURSDAY" where I'll re-upload some of that old, good, copyright free content. -Jordan
Please list and announce which videos are going to be taken down (even if an edited version will be reuploaded), we'd appreciate the opportunity to watch the originals before they're lost. Thanks!
for 30 years I paid for premium insurance. Then I brought my sports car in to have a new engine put in it, I had over 200,000 miles on in, but it still ran great. While parked at the shop, a drunk driver totaled my car. Now the insurance said that because the engine was removed at the time of the accident they were only valuing the car for $1000. Because it was not in working condition. Then they said if I accept the $1000 I will have a salvage title, as I intend to fix the body damage this is not acceptible. So I got no money. I cancelled and went with a lower cost insurance. My insurance agent said you know they are discount insurance and not likely to pay out if you have an accident....I said Like you? My insurance was supposed to be supERIEor, not I'm in good hands. I also had a serious accident when a kid texting drove through a red light and hit me, he had little insurance, so I had to sue my own insurance company. By the time the lawyer got his 1/3 and all the "expert witnesses" got their money, I was left in debt $20,000. Insurance is a scam.
Meanwhile my brothers rustbucket of a truck gets rear-ended(needs new bumper and tailgate only) and the insurance pays nearly double the cars value and 3 times what he paid for it. I'd really like to get off this timeline.
Would more deregulation help? Perhaps some government subsidies for the insurance companies? Surely making things even easier for rich people to screw everyone else would improve things for everyone. It's like they say, "A lavish gala's worth of aristocrats pissing in your drinking water lifts all yachts!"
They literally look for any and all reasons and excuses to find so they can legally not pay out. No matter *what kind* of insurance plan you may or may not carry and all those years of payment you sent in, literally enforced extortionist legal theft.
Hey! How dare you associate those good, hardworking people with these low down criminal scum. The mafia doesn't deserve to be put on the same level as insurance companies
It buffered when he said, "for doing nothing yet," so he quite literally was doing nothing yet. Also, if you bought a car with a loan and it's sitting, don't think you can save some money by cancelling your insurance. The bank will charge you an extra $250 per month as a penalty for being uninsured. Ask me how I know.🤦♂️
Unfortunately that is correct. And that is because they will insure it for low ass price, then by the time you've paid that you've paid enough for 2 cars. So that way they can get 3 for the price of one. #scamming
Uh, nope. If you turn in the tags you don't have to have it insured, at least in some states. Literally did it last year. Plus, banks don't charge penalties on uninsured property... Your insurance company may charge a penalty for coverage lapse, but not the bank.
@@bryantaylor1572 in Oregon, if a car is financed, it must have full coverage insurance, regardless of whether it sits or is actively driven. If you don't insure it, the bank can repossess it for breach of contract terms or charge an uninsured penalty, it's really up to them.
I know insurance sucks, but people like you are terrible. You are the type of person that says "I will never hit anyone," and then hits someone and the person you hit has to foot the bill.
@@StellarisIgnis I think I wrote that in a manner that could be easily misconstrued. I do have car insurance. It's extremely illegal here not to, not to mention irresponsible. I meant if I was in the market for it at the time of seeing this commercial, I would buy it from Roger
@@nikonfan2407 Oh now that you put it that way I could see your logic. Sorry for jumping to conclusions as well. I just recently had a uninsured driver hit and run my parked car and had that in my head when I read your comment.
Not necessarily! I grew up in a second world country ( not first world, but not third world either) without cell phones for my first 19 years ( in the 80's and 90's). Let me tell you people found ways to ignore each other back then, too. They buried their noses in paper newspapers, magazines, books, the Bible ( so you couldn't complain about it). My favorite was looking out the window, during public transportation, so I could avoid talking to bored strangers, who talked just for the sake of talking. Extroverts may be dependent on human interaction, introverts are just fine without it, or with minimal interaction. I was a moderate extrovert and I was fine with minimal interaction from strangers, when necessary or when I liked to and with whom I liked. And the family dinners without phones, well, they looked like this: my parents and grandparents glued to the tv, usually on the evening news, my younger sister and I, with dolls, coloring books and pencils ready at the table, ignoring the news and the adults, just like they mostly ignored us. They asked us questions from time to time, or scolded us about something, still glued to the tv. 🤷🏼♀️ When we were teens, our noses were buried in fashion magazines at the dinner table, despite my father forbiding it ( he didn't notice we disobeyed because his eyes were glued to the tv. He never drank ,so he was alert all the time, but the tv was addictive). During boring school classes, we played games on papers passed around, made paper planes and paper boats and played with them or simply slept with our heads on the desk. Ah, the memories ! 😁 A quiet evening at home: everybody in the living room, the adults reading books, newspapers, etc, I was knitting something or doing embroidery ( I liked those) and everybody was in their own inner world. It was the same in every place I visited back then. Of course, if anything we thought interesting happened, we paid attention, just like today. The only difference today is that the cell phones/smart phones replaced most of the other means of distraction.
I always remember this whenever talk show hosts give people living in low income communities a brand new car. Do they need one? Yes. But can they afford the insurance? Probably not. They give out false hope to desperate people which is worse than no hope at all
I'm getting the feeling that, despite being the sarcasm king, roger is such a truly nice guy that the "you're welcome, kiddo!" is just genuinely positive!
Stay away from huge car insurance companies that dont even have local offices y'all! We have insurance through a national company though there is a local office where mostly the same ppl have been working for years. We pay more than the ones you see commercials for throughout the year though our deductible is only $200, we get a rental while our vehicle is being fixed, our rate didnt go up afterwards, and they didnt fight us AT ALL on using it. We got a quote, they wrote a check. The job ended up requiring more labor/parts (they couldnt see everything that was broken until they actually started taking the front end a part). Our insurance wrote another check. Super quick and easy. Then they called us a wk or two later to make sure everything went okay and we were satisfied. Also, THEY call US when their rates/policies change and we're able to get a better deal for the insurance we need. Its been so refreshing.
A classic. Get rid of all your other content, rebrand as The Roger Channel and just give us all Roger, all the time. He's the reason you still have any subscribers if we're being honest. You're welcome.
Yeah, now they want to use your phone so they can charge you more, not only based on your driving (stops and speeds) but where you drive and when you drive. I was offered a 5% discount for using the service (that's less than the tax rate), but I looked up the terms and found they could charge me upwards of 50% more on renewal based on my driving habits. Yeah, sorry I can't change when I drive because of my job, noped out of that.
It has been proven that most, if not all, insurance adjusters get paid commissions or bonuses based on how much they "save" the company. In other word, more they screw you, the more they make. I had a friend that had a house fire that totally gutted his house. He had "full replacement value" on the content; actual structure value was a set amount. He was very nerdy and kept records on everything he had that was of any value. His records clearly showed that he had $45k in loses. The insurance adjuster couldn't dispute him. The insurance adjuster told him he had to buy all the items and submit the receipts for reimbursements. My friend wasn't happy with this but said he could start with $5k maybe $10k then use the reimbursements to fund future purchases until all was done. The adjuster told him no, they will only do one reimbursement. He was told to get the full amount he had to purchase all 45k submit the receipts Needless to say, my friend didn't have that much, and they wouldn't pay the structure amount until they payed contents. In the end the adjuster made a "compromise." He would would give him $30k lump sum. He was basically screwed out of $15k.
You forgot the best part. Even after spending all that money every month you still end up owing a deductible which is more money you could use on actually getting the car fixed
The deductible is.. Deducted.. From their payout. It's not a charge that could be "owed". Poor people who own a beater - read the rest of my post, might help you. What deductible does mean is you might end up paying the mechanic entirely yourself for repairs, or to buy a replacement car entirely yourself. Basically it sets a minimum amount of damage that you always have to pay for, anything beyond that they cover (if none of their other tricks to get out of liability work). People, mostly poor people who don't have time for this game, don't realize that if you own outright a beater ass car worth
@@craigslist6988 Very well described - here is a real life example. My car is worth ~$1200 (old but runs well). Someone bumped into my front bumper and made a dent (only cosmetic damage). I went to a body shop to get a quote and it came to $1000 (new bumper, new bolts and other misc items, prime, paint, polish, little chocolates on the dashboard - they _had_ to include it all for insurance) - that didn't include the 3 day worth of rental I'd have needed. I'm quite certain the car would have been "totaled" had I accepted their quote. Instead I've just been driving around with a dent in the bumper. Insurance doesn't need to know. Note - the person who hit me was really kind and left a note - I didn't want to screw them over by having a "totaled" car on their record. For my own insurance I just have liability for that very reason. I just looked up the calculations again. Doing a $100 deductible (10% of the price of the car) increases my cost by nearly $600 per year. In two years I'll have paid out the price of the car to an insurance company (and they would have KEPT taking that money for years after that, even though if my car was ever totaled I'd have only gotten $1200 - $100 deductible).
Research ways to avoid a funeral home almost completely and save your money. Home viewings, no embalming, etc. You don't HAVE to pay thousands of dollars just because society usually does. I'm rural so I am going to be buried in as little as possible on home land and told my offspring to enjoy that insurance money. YOU make your choices, YOU decide what you want to do, YOU have the power.
You know, if real companies were as honest as Roger here, insurance would be fixed by now. In other words, don't require it, and we'd all want the best companies because they'd actually fight to do something to help since you could dump them if they didn't.
@@zsurvivalist7996 No, not really. Even now an insurance company can drop you if you're a risk. On top of that, your amount of risk influences your rates. Get into more accidents, you pay more or get dropped. If you're a HUGE risk and cannot get insurance, then it's everything you own on the line because if you hit another car, they sue YOU, like it used to be.
Hi Dr. B. Just fyi, I used to work in this industry and can tell you that (at least in Canada) insurance companies pay only about 50% of their collected premiums back as payout.
Any insurance that is legally required should be provided by the government. There's literally no innovation anyway, just CEO's spending money on lawyers to try and find loopholes to not do their job.
What does it take to create a legal insurance company? If a group of friends decided to all invest into a shared pool of money, each make smaller payments to it every month, register themselves as an insurance business, and take money from the stockpile when they need it to cover car accidents, would that legally work? Could that legally work?
Yes but you would need a VERY VERY VERY large sum of money. Money in case their clients get in car accidents against the predictions and the money for the expensive actuaries to make your risk calculations. Good luck
Insurance companies: the one industry that is legally allowed to do their utmost not to provide you with the service you paid for. Oh, and charge you out of the nose for it.
Wait... I can't trust Flo, the gecko, Jamie, the caveman, Doug or Emu, stupid ass cowboy near Statin Island, Jake from State Farm (white or black version *Go diversity! Your blood is unique but we suck every bit we can*), that chaos guy with bandaids, the nationwide pencil neck bitch, Dennis, Aaron Rodgers, Clay Matthews, and all the other fictional characters??? Those people and animals CARE ABOUT ME! You are wrong!
Yeah... why is it legally required to pay for a service that will refuse to provide the service you're paying for? That makes no sense to me and I'm guessing it has something to do with insurance companies paying the government to force people to give them money.
My spare wheel was stolen about a week ago. I had insurance on it so ofcourse I tried to claim it from the insurance, because it states that it covers theft, but had to pay excess fee of R5000, but to replace the wheel costs around R2000-R2500. Just 🌟wonderfull🌟
Homeowners insurance isn't much better. I had a crack in a pipe in a wall that leaks into the basement. They said I should have known it was there. They denied the claim. It cost 5000.
"protection isn't the right word", yes! I remember that one super bowl commercial for life insurance which talked about different ways kids could die, And I'm over here like... this doesn't prevent deaths, it just gives you money after.
Honestly I've know car insurance was a scam since I've learned about, but I've gotten so used to the idea which sounds great on paper that I can't imagine what different system would look like.
When I first started driving in the 1970s, insurance was still optional if you owned your vehicle, only mandatory if you had a loan (like it is for boats today). The (obvious) reason insurance became a requirement to register your car was because uninsured motorists caused so much damage . Back then it was even more important than it is now to have very good "uninsured motorist" coverage so your medical bills and vehicle damage were covered by your own insurance. As you note, requiring that all vehicles/drivers have insurance is a logical way to safeguard lives and property...insurance companies' penchant tor denying claims and ever-increasing rates notwithstanding.
You made one error. You said they will give back some of that money. No, they will give most of that money to a lawyer to find a way to not give you any of that money back.
I remember when my car was damaged cuz some dummy drove into it while parked… Repairs wasn’t a whole lot, but my car insurance made sure to make it difficult to help pay for it…
Facts is this the law needs to be better some people can't afford to buy another car if their car is total. What needs to happen is if it's not your fault the other insurance and your insurance has to pay you out for your car value is 20k your insurance other insurance pays 10k each so you can buy another car. Not total your car and give you a low ball offer. Both party pays you since it's their drivers fault and your insurance can get their money back from the other insurance that's how it suppose to be. If the fault driver doesn't have insurance the government helps you another car
This perfectly encapsulates how I think and feel about insurance companies; especially with their use of the word "protection"
Look at that minor body damage and a cracked windshield, Total it, here is 6% your cars value back! No no you can't just have someone fix it we already are towing it and any personal possessions in it away to be crushed and not even parted out or sold as an art piece.
It is protection. But not in the "defends you from something happening," sense, but in the "pay this 'protection' money or something bad will happen," sense.
I'm not quite sure what's wrong with the system, but in my experience - they don't pay me back a small fraction of what I paid them. They pay me back full and give a little extra on top of that. Maybe - I have some extra "luck" for fender-benders that always end in total loss. I still hate them, but also have mixed feelings. When all that mattered was money - I'd say it's surprisingly honest business. The problem is - you have to lose a significant amount of mental health fighting with those bastards for everything. You had an accident, reported it. Nothing happens, until you threaten them you will personally kill them for a fourth time. OK, they finally registered the case and send someone to look at the car. But no temporary replacement car for you. In my country they are legally required to cover it, but nah. But 10 calls later, fine, you get quite a nice ride. Then they send you their calculations. Then you threaten you will rape their hamsters again (seriously - I was just threatening them with a lawsuit and quoted some lawyer mumbo-jumbo). Then they send you their new calculations, you check it again, and it turns out you will fix that totalled car and will have some "free" fuel for a while ;) So... They pay. But it's always like drawing blood from the stone. IDK, maybe if some less assertive people deal with them they don't pay the money they are legally obligated to pay. I wouldn't be smarty pants here, but the experts told me that I have to question everything the insurance companies offer. It works, it pays off, but it's such a crazy annoyance. First they ignore you. Then they offer you 20%, then 50%, then 75%, then after a long hard battle - like 110% of let's say of what's more or less fair. Of course - if you don't fight them - you get 20% and probably quite late. And nah, I didn't hire a lawyer for those things. I educated myself from Internet. Read fine prints. Read everything. Do your own calculations. Ask independent insurance experts. Call some insurance lawyers, they can offer you a piece of advise over the phone for free. In some cases they can even take your case for free and get their fee from the lawsuit winning.
I feel more insured already 🥺
@@Adam_Lyskawa hamsters? I have a hamster.
Insurance company: "Give me your money! You're legally obligated!"
Also Insurance company: "You want some of your money back? See you in court! Haha!"
My reply....free money? For you? How about no? I will use mass transit.
@@ryanward8039Not in USA
My argument against the Missouri requirement: But what if you can't afford to sign up for insurance and you need to drive to work to survive??!!!!!
1:50
No Fault State residents: **simultaneously flip double middle fingers**
My mother used to work for an insurance company. They gave her the most stressful position (she's one of the people called if someone died) without any training, as well as keeping their staff so low that she, and her team, had to each do the work of two or more people. So yeah, insurance doesn't just screw over the people paying for it. My mother starts her new job on Monday.
Good! I detest companies like that. There should be a way of legally (and legally safely) exposing their malpractice, for customers and staff - so no one uses them and they can't recruit anyone again. And keep an eye on the owners if they buy out another company or start a new one. First sign of their shenanigans and it's exposed time again!
Good luck to your mum. When you see her next (if you're not living with her of course), please send her my best wishes and hopes that she's going to love her new job! 💕
What’s her new job gonna be?
@@ImFromIowa She's going to be an insurance underwriter for small businesses, so hopefully she'll be less stressed out by it.
REMINDER: CHANNEL UPDATE: As you can imagine, our 15+ year-old channel has a TON of copyright violations on older content, and UA-cam has suggested we get rid of the offending videos as they're negatively affecting us. And while some videos nobody will miss, I've noticed several GOOD videos that I would hate to lose. As such, I'm going through and downloading old videos, editing out the copyright violations where I can (I don't have the original files so it's tricky) and every Thursday for the next little while we'll do a "THROWBACK THURSDAY" where I'll re-upload some of that old, good, copyright free content.
-Jordan
Please list and announce which videos are going to be taken down (even if an edited version will be reuploaded), we'd appreciate the opportunity to watch the originals before they're lost. Thanks!
UA-cam's copyright rules really needs to change.
this would be the last channel id think about when mentioning copyright problems.... where was the problem?!
I hope it isn't any of the after hours videos. I love to listen to them in the background during work.
Thank you. I love this channel, and I love the content produced by y'all throughout the years. Y'all are awesome.
for 30 years I paid for premium insurance. Then I brought my sports car in to have a new engine put in it, I had over 200,000 miles on in, but it still ran great. While parked at the shop, a drunk driver totaled my car. Now the insurance said that because the engine was removed at the time of the accident they were only valuing the car for $1000. Because it was not in working condition. Then they said if I accept the $1000 I will have a salvage title, as I intend to fix the body damage this is not acceptible. So I got no money. I cancelled and went with a lower cost insurance. My insurance agent said you know they are discount insurance and not likely to pay out if you have an accident....I said Like you? My insurance was supposed to be supERIEor, not I'm in good hands. I also had a serious accident when a kid texting drove through a red light and hit me, he had little insurance, so I had to sue my own insurance company. By the time the lawyer got his 1/3 and all the "expert witnesses" got their money, I was left in debt $20,000. Insurance is a scam.
Meanwhile my brothers rustbucket of a truck gets rear-ended(needs new bumper and tailgate only) and the insurance pays nearly double the cars value and 3 times what he paid for it. I'd really like to get off this timeline.
unfortunately, insurance scam is legally enforced. same everywhere.
"Extortion" was too rude a word, so they created the word "Insurance".
Would more deregulation help? Perhaps some government subsidies for the insurance companies? Surely making things even easier for rich people to screw everyone else would improve things for everyone. It's like they say, "A lavish gala's worth of aristocrats pissing in your drinking water lifts all yachts!"
They literally look for any and all reasons and excuses to find so they can legally not pay out. No matter *what kind* of insurance plan you may or may not carry and all those years of payment you sent in, literally enforced extortionist legal theft.
"Protection" is actually the perfect term. The mafia's been running protection rackets just like this for centuries.
The only difference being that with the mob, you have a flat 0% chances of getting any of your money back.
Except sometimes the mafia actually includes some genuine protection
Hey they do protect sometimes.
And the biggest of them all is the US government
Hey! How dare you associate those good, hardworking people with these low down criminal scum. The mafia doesn't deserve to be put on the same level as insurance companies
The death possibilities had me rollin! 🤣 🤣 🤣 "Police (non-white children only)" 😂😂😂
Where's the lie ? 😃
"Kindness (unlikely)"
“Boom, ya dead “. Lmao
@@stinga_ he said "unlikely scenarios"
Honestly, I truly "lol'd" when I read those. That was hilarious!
Man I've always liked this guy. One of those kinds of people that can tell you off in a very matter-of-fact way without being insulting.
Thanks bro.
But yet, he's still inherently insulting and I love him
He sounds like George Carlin
He'd make a good diplomat.
Loved: we sell you a service that if you use, we charge you more.
Money glitch
I hate insurance companies, thank you for calling them out
It buffered when he said, "for doing nothing yet," so he quite literally was doing nothing yet.
Also, if you bought a car with a loan and it's sitting, don't think you can save some money by cancelling your insurance. The bank will charge you an extra $250 per month as a penalty for being uninsured. Ask me how I know.🤦♂️
Unfortunately that is correct. And that is because they will insure it for low ass price, then by the time you've paid that you've paid enough for 2 cars. So that way they can get 3 for the price of one. #scamming
All this comes to light cause of roger if ____ were honest.
Another reason to love #Roger!
Find the cheapest of insurance. Don’t care about premium or anything. Hell sky rocket the deductible… lol
Uh, nope. If you turn in the tags you don't have to have it insured, at least in some states. Literally did it last year. Plus, banks don't charge penalties on uninsured property... Your insurance company may charge a penalty for coverage lapse, but not the bank.
@@bryantaylor1572 in Oregon, if a car is financed, it must have full coverage insurance, regardless of whether it sits or is actively driven. If you don't insure it, the bank can repossess it for breach of contract terms or charge an uninsured penalty, it's really up to them.
I usually laugh more at these. But this one gets me boiling inside. Very spot on. Fantastic job as always Mr. Horton.
I would actually buy car insurance if this was the commercial for it.
Brutal honesty is the way!
I know insurance sucks, but people like you are terrible. You are the type of person that says "I will never hit anyone," and then hits someone and the person you hit has to foot the bill.
@@StellarisIgnis I think I wrote that in a manner that could be easily misconstrued.
I do have car insurance. It's extremely illegal here not to, not to mention irresponsible.
I meant if I was in the market for it at the time of seeing this commercial, I would buy it from Roger
@@nikonfan2407 Oh now that you put it that way I could see your logic. Sorry for jumping to conclusions as well. I just recently had a uninsured driver hit and run my parked car and had that in my head when I read your comment.
Love laws that make you spend money.
I don't
@@emailaccount4483your sarcasm detector isn’t working.
Wonderful! Thank you for reenforcing my burning hatred of insurance companies.
In that list was "Cellphone (lack of human interaction, which leads to depression, and ultimately suicide)"
Ooooof, that hits hard for a lot of people
And then there was the “Police (non-white children only)”
Not necessarily! I grew up in a second world country ( not first world, but not third world either) without cell phones for my first 19 years ( in the 80's and 90's). Let me tell you people found ways to ignore each other back then, too. They buried their noses in paper newspapers, magazines, books, the Bible ( so you couldn't complain about it). My favorite was looking out the window, during public transportation, so I could avoid talking to bored strangers, who talked just for the sake of talking. Extroverts may be dependent on human interaction, introverts are just fine without it, or with minimal interaction. I was a moderate extrovert and I was fine with minimal interaction from strangers, when necessary or when I liked to and with whom I liked. And the family dinners without phones, well, they looked like this: my parents and grandparents glued to the tv, usually on the evening news, my younger sister and I, with dolls, coloring books and pencils ready at the table, ignoring the news and the adults, just like they mostly ignored us. They asked us questions from time to time, or scolded us about something, still glued to the tv. 🤷🏼♀️ When we were teens, our noses were buried in fashion magazines at the dinner table, despite my father forbiding it ( he didn't notice we disobeyed because his eyes were glued to the tv. He never drank ,so he was alert all the time, but the tv was addictive). During boring school classes, we played games on papers passed around, made paper planes and paper boats and played with them or simply slept with our heads on the desk. Ah, the memories ! 😁 A quiet evening at home: everybody in the living room, the adults reading books, newspapers, etc, I was knitting something or doing embroidery ( I liked those) and everybody was in their own inner world. It was the same in every place I visited back then. Of course, if anything we thought interesting happened, we paid attention, just like today. The only difference today is that the cell phones/smart phones replaced most of the other means of distraction.
Omfg that non-white child only killed me 🤣😂🤣🤣🤣🤣🤣🤣🤣
Please do not use that acronym
What a classic! Loved it back then, still love it now.
Also, props to the child actress. Great facial expressions right there
Thank you for that 81 percent premium increase on my homeowner's insurance due to the "remapping" of my area.
I always remember this whenever talk show hosts give people living in low income communities a brand new car. Do they need one? Yes. But can they afford the insurance? Probably not. They give out false hope to desperate people which is worse than no hope at all
usually unspoken, but most do cover insurance for x amount of time.
They often have to pay taxes on it as if they paid full price in cash as well.
@@Dante_S550_Turbo just long enough to make sure they sign a contract saying that they can't do shit once they receive the car
@@thoughtlesskills actually I believe it's taxed the same as additional income. Which is higher than sales tax.
Sell it and get a beater that runs well.
Roger is ALWAYS a WIN 💯
I'm getting the feeling that, despite being the sarcasm king, roger is such a truly nice guy that the "you're welcome, kiddo!" is just genuinely positive!
That last one on the list of child dangers...I appreciate Cracked so much
Stay away from huge car insurance companies that dont even have local offices y'all! We have insurance through a national company though there is a local office where mostly the same ppl have been working for years.
We pay more than the ones you see commercials for throughout the year though our deductible is only $200, we get a rental while our vehicle is being fixed, our rate didnt go up afterwards, and they didnt fight us AT ALL on using it. We got a quote, they wrote a check. The job ended up requiring more labor/parts (they couldnt see everything that was broken until they actually started taking the front end a part). Our insurance wrote another check. Super quick and easy. Then they called us a wk or two later to make sure everything went okay and we were satisfied.
Also, THEY call US when their rates/policies change and we're able to get a better deal for the insurance we need. Its been so refreshing.
Matches my last experience with the insurance company perfectly. Can almost feel my brain turning into ceiling paint.
A classic. Get rid of all your other content, rebrand as The Roger Channel and just give us all Roger, all the time. He's the reason you still have any subscribers if we're being honest. You're welcome.
well actually.....
no...no you're right roger is probably the only thing i watch on this channel :L
i agree
Don’t forget the long story short-ish videos by Jordan. Those are good too.
Screen Rant finally figured this out with Ryan George's pitch meetings.
That's true 😂😂😂😂
The most honest Ad yet!!! My favorite
Great to see Rog doing what he loves. Also insurance is basically a racket.
Now you'll need to do a part 2, because insurance has changed a whole lot more since! And not for the good of the people.
Yeah, now they want to use your phone so they can charge you more, not only based on your driving (stops and speeds) but where you drive and when you drive. I was offered a 5% discount for using the service (that's less than the tax rate), but I looked up the terms and found they could charge me upwards of 50% more on renewal based on my driving habits. Yeah, sorry I can't change when I drive because of my job, noped out of that.
It has been proven that most, if not all, insurance adjusters get paid commissions or bonuses based on how much they "save" the company. In other word, more they screw you, the more they make.
I had a friend that had a house fire that totally gutted his house. He had "full replacement value" on the content; actual structure value was a set amount. He was very nerdy and kept records on everything he had that was of any value. His records clearly showed that he had $45k in loses. The insurance adjuster couldn't dispute him. The insurance adjuster told him he had to buy all the items and submit the receipts for reimbursements. My friend wasn't happy with this but said he could start with $5k maybe $10k then use the reimbursements to fund future purchases until all was done. The adjuster told him no, they will only do one reimbursement. He was told to get the full amount he had to purchase all 45k submit the receipts Needless to say, my friend didn't have that much, and they wouldn't pay the structure amount until they payed contents. In the end the adjuster made a "compromise." He would would give him $30k lump sum. He was basically screwed out of $15k.
@@tsriel I actually recommended that. His health wasn't good, he died a year later, and he just wanted to get rid of the stress.
Man...takes me back. Can't believe how long it's been.
"You're Welcome... We're happy to pretend that we're here to protect you..." Truth. Bwahahaha and Ouch.
That's a damn fine cape Rodger, I think it's time they got a comeback, and you're not a vampire.
The little splat effect. This is top tier
That last one on the list of ways the child could Unalive floored me.
Disney, Google and Amazon have nothing on the sheer diversity of this dude’s assets. My man probably owns shares in your neighborhood lemonade stand.
If lemonade stands were honest...
He makes Black Rock look like a mom and pop bucket shop from the 19th century.
He's just the spokesperson, though. The CEO of all these companies is Brennan Lee Mulligan.
He actually does.
I really hope they bring back "Watching People"
It git me through a storm of a rough time
You forgot the best part. Even after spending all that money every month you still end up owing a deductible which is more money you could use on actually getting the car fixed
The deductible is.. Deducted.. From their payout. It's not a charge that could be "owed".
Poor people who own a beater - read the rest of my post, might help you.
What deductible does mean is you might end up paying the mechanic entirely yourself for repairs, or to buy a replacement car entirely yourself.
Basically it sets a minimum amount of damage that you always have to pay for, anything beyond that they cover (if none of their other tricks to get out of liability work).
People, mostly poor people who don't have time for this game, don't realize that if you own outright a beater ass car worth
@@craigslist6988 Very well described - here is a real life example. My car is worth ~$1200 (old but runs well). Someone bumped into my front bumper and made a dent (only cosmetic damage). I went to a body shop to get a quote and it came to $1000 (new bumper, new bolts and other misc items, prime, paint, polish, little chocolates on the dashboard - they _had_ to include it all for insurance) - that didn't include the 3 day worth of rental I'd have needed. I'm quite certain the car would have been "totaled" had I accepted their quote.
Instead I've just been driving around with a dent in the bumper. Insurance doesn't need to know. Note - the person who hit me was really kind and left a note - I didn't want to screw them over by having a "totaled" car on their record.
For my own insurance I just have liability for that very reason. I just looked up the calculations again. Doing a $100 deductible (10% of the price of the car) increases my cost by nearly $600 per year. In two years I'll have paid out the price of the car to an insurance company (and they would have KEPT taking that money for years after that, even though if my car was ever totaled I'd have only gotten $1200 - $100 deductible).
I've wanted this one for a long time.
Can Roger do a video about the funeral industry? I'm a undertaker myself and think some of the charges, especially in the US, are ridiculous
Can you give examples of what changes were made?
@@graciegj63 Sorry charges
Ten yrs ago I paid $800 for the hearse to drive my late husband's body to the funeral home. 10 miles. It's gotten worse??
Research ways to avoid a funeral home almost completely and save your money. Home viewings, no embalming, etc. You don't HAVE to pay thousands of dollars just because society usually does. I'm rural so I am going to be buried in as little as possible on home land and told my offspring to enjoy that insurance money. YOU make your choices, YOU decide what you want to do, YOU have the power.
He has.
It’s funny how I’m seeing this again right as I’m going through the process of filing insurance claims
I was had one accident in my entire life. It’s very scary how much much this hits the nail on the head.
You know, if real companies were as honest as Roger here, insurance would be fixed by now. In other words, don't require it, and we'd all want the best companies because they'd actually fight to do something to help since you could dump them if they didn't.
Yeah but then they'd be broke from giving more money than they steal
@@zsurvivalist7996 No, not really. Even now an insurance company can drop you if you're a risk. On top of that, your amount of risk influences your rates. Get into more accidents, you pay more or get dropped. If you're a HUGE risk and cannot get insurance, then it's everything you own on the line because if you hit another car, they sue YOU, like it used to be.
@@GuretoSefirosu i see, too bad things will remain as they are eh?
@@zsurvivalist7996 Yep. Thank the government. Anything mandated winds up being worse than if the product was sold competitively.
"...and thanks for your money..." 😂😂😂😂 Kill me
I'm glad y'all choose to reupload instead of taking things down
If the insurance company were honest it would not exist
The fact the CGI Guinea Pig made noise when he dropped it
Hi Dr. B. Just fyi, I used to work in this industry and can tell you that (at least in Canada) insurance companies pay only about 50% of their collected premiums back as payout.
Killing with kindness (rare)...
I have missed you guys!
I like watching the ...Were Honest series. This one is so true, too.
Another perfect, funny and accurate honest Ad. Lol...Thank you!
That scrolling list was hilarious
Haha! "Tripped by some jerk outside." I did notice tripping over something showed up quite a bit
Any insurance that is legally required should be provided by the government. There's literally no innovation anyway, just CEO's spending money on lawyers to try and find loopholes to not do their job.
What does it take to create a legal insurance company? If a group of friends decided to all invest into a shared pool of money, each make smaller payments to it every month, register themselves as an insurance business, and take money from the stockpile when they need it to cover car accidents, would that legally work? Could that legally work?
Yes but you would need a VERY VERY VERY large sum of money. Money in case their clients get in car accidents against the predictions and the money for the expensive actuaries to make your risk calculations. Good luck
funny because just a couple minutes before this video was uploaded i was reviewing my car insurance policy lol 😂
Fuck the part where he showed another super hero but female with the subtext of his cape being one of a vampire or supervillain, it's gold.
List of unlikely causes of death tickled me.
Cellphones, hahahaha!
Gotta love the insurance mafia
The kid in this commercial goes from happy smile to will to live=0% in a second
the last item of the list "what can kill your kid" was savage
Insurance companies: the one industry that is legally allowed to do their utmost not to provide you with the service you paid for. Oh, and charge you out of the nose for it.
Wait... I can't trust Flo, the gecko, Jamie, the caveman, Doug or Emu, stupid ass cowboy near Statin Island, Jake from State Farm (white or black version *Go diversity! Your blood is unique but we suck every bit we can*), that chaos guy with bandaids, the nationwide pencil neck bitch, Dennis, Aaron Rodgers, Clay Matthews, and all the other fictional characters???
Those people and animals CARE ABOUT ME! You are wrong!
Thank you Liberty Mutual for sponsoring this video with your ad! I mean really.
See you next time Ro...ger! Elegant as always.
Oh wow, Sylvester's back. That's a blast from the past.
Where were you when I needed this video earlier today in my finance class?..
With that cape he looks like Count Rogula.
Thanks for taking my money, Roger!
1:27 the splashing death sound is priceless
Even though I loved Mad magazine, I always imagined Sylvester P. Smythe, the Cracked janitor mascot, could mop the floor with Alfred E. Neuman.
Oddly enough, there was a Cracked issue where Smythe literally mopped the floor in a duel with Alfred... Pennyworth.
Yeah... why is it legally required to pay for a service that will refuse to provide the service you're paying for? That makes no sense to me and I'm guessing it has something to do with insurance companies paying the government to force people to give them money.
"Killed by kindness(Rare) " Lmao
Yaaaasssss more Roger always!!!
My spare wheel was stolen about a week ago.
I had insurance on it so ofcourse I tried to claim it from the insurance, because it states that it covers theft, but had to pay excess fee of R5000, but to replace the wheel costs around R2000-R2500.
Just 🌟wonderfull🌟
Homeowners insurance isn't much better. I had a crack in a pipe in a wall that leaks into the basement. They said I should have known it was there. They denied the claim. It cost 5000.
Also applies to medical insurance...USA!
I have not seen the video yet(about to)just the pic with "Roger"and what appears to be a 🐹 made me smile🐢🐢🐢Cara
"protection isn't the right word", yes! I remember that one super bowl commercial for life insurance which talked about different ways kids could die, And I'm over here like... this doesn't prevent deaths, it just gives you money after.
The list of ways to die is gold! 🤣
Thank you for making another
I am convinced the first insurance company was in Sicily and their motto was "We'll make you an offer you can't refuse."
"Dewey Cheatum and Howe Insurance Inc."
We have been waiting for this one a long time!
The irony of an insurance commercial prior to this episode.
Ha ha, Insurance Companies, your friend until a claim is made...
Honestly I've know car insurance was a scam since I've learned about, but I've gotten so used to the idea which sounds great on paper that I can't imagine what different system would look like.
When I first started driving in the 1970s, insurance was still optional if you owned your vehicle, only mandatory if you had a loan (like it is for boats today). The (obvious) reason insurance became a requirement to register your car was because uninsured motorists caused so much damage . Back then it was even more important than it is now to have very good "uninsured motorist" coverage so your medical bills and vehicle damage were covered by your own insurance. As you note, requiring that all vehicles/drivers have insurance is a logical way to safeguard lives and property...insurance companies' penchant tor denying claims and ever-increasing rates notwithstanding.
You made one error. You said they will give back some of that money. No, they will give most of that money to a lawyer to find a way to not give you any of that money back.
In court the independent doctor was paid 5k.
What if "Stimulus Check videos were honest?" (Parody of LaLate, Ron Yates, Blind to Billionaire, and many others.)
I remember when my car was damaged cuz some dummy drove into it while parked… Repairs wasn’t a whole lot, but my car insurance made sure to make it difficult to help pay for it…
Facts is this the law needs to be better some people can't afford to buy another car if their car is total. What needs to happen is if it's not your fault the other insurance and your insurance has to pay you out for your car value is 20k your insurance other insurance pays 10k each so you can buy another car. Not total your car and give you a low ball offer. Both party pays you since it's their drivers fault and your insurance can get their money back from the other insurance that's how it suppose to be. If the fault driver doesn't have insurance the government helps you another car
Good job ROGIE 👏
I watched the original upload a few days ago. Watching it again though!
"Cellphones (cancer)" was one of the death possibilities
This about sums up especially auto insurance. I understand why it's required by law, but the way it works is seriously a scam.
So very on point 😂
I love this segment
"Banging head against wall because of tantrum, but it hits one too many times and boom, ya dead."
"Don't call me Rodge."
*years later*
"Introducing Rodge-coin!"
Thanks for the protection Rodge
Love you, Horton!
Thanks Roge!
Irony is when you click on a honest ad and the commercial before the video is a insurance company.