Bookies and their 'heavies'
Or, to be more precise, Insurance companies and Loss Adjusters.

Insurers.

However you dress it up with suits, posh offices 'the traditions of Lloyds of London' - you're a bunch of bookies with less honesty and integrity about your business than Shonky Dave who takes bets in your local. At least when Dave loses he pays up.
Actuarial tables? = Odds! You take money from your punters - sorry, clients - gambling that a specific event will NOT occur. You get your punters to pay every year/month to keep this bet going and, in the event you lose the bet, you try your best NOT to pay up! Can you imagine what would happen if Shonky Dave tried that? He'd be fucking lynched! But you? You get the second lowest form of life on the planet - 'Loss adjusters' - to do their damndest (and they ARE all damned)to get the punter to either drop the claim or take less money than you promised on your betting slip, sorry, that's 'insurance policy document'.

Loss Adjusters

Utter utter cunts, the lot of them. If I was paid on commission to cheat, lie, threaten, prevaricate, intimidate or use any other method to make a punter not claim the full amount promised on a betting slip - I'd be vilified and probably arrested. But Loss Adjusters? Thy're 'just doing their job' of protecting their bookies from paying what they promised and fucking charged through the nose for.
Over the years, the insurance industry has covered itself with a veneer of respectability and probity. That veneer is microscopically thin. Underneath it you're shysters and thieves who'll take money and not pay what's promised when you lose.

Thinking about it, Shonky Dave has more integrity in his shite than the whole lying cheating slimy bunch of you. Die soon you scumbags.
(Captain Placid 24/7 ball gags, brownie mix and clown porn, Sat 29 May 2010, 8:57, 5 replies)

When my boiler caught fire and more-or-less wrecked my house, I had to phone *my* loss adjuster to ask for money to pay for rent on another place while mine was being repaired.

He asked why I needed it - I said to pay for rent (duh!).

Hi reply was that it wasn't his fault that the house was ruined and that I had to pay rent to stay somewhere else.

What?

If I'd crashed my car into someone elses, would he also have claimed that it wasn't his fault and therefore didn't have to pay out?

Unbelievable cnuts.
(dchurch bah, Sat 29 May 2010, 12:07, closed)

...and then there's the Provvie.
These people are simply pus-filled haemorrhoids attached to the arses of the desperate.

Hit a Provvie insured driver? Get a lawyer, because you can fucking whistle for a payout. Insured by them? Same applies, except that when the other side sues they'll abandon you. If you get run over by one, the Provvie will sue YOU, the injured party for negligently damaging their customer's vehicle.

Even so, this pales into insignificance beside their loansharking business.
(all my scars face forward possesses 2.5% of a hyperalloy combat chassis, Sat 29 May 2010, 14:28, closed)

I used to work with Shonky Dave...
...In an insurance company in Glasgow. Nice bloke....
(hairybuddha, Sat 29 May 2010, 14:46, closed)

um
i worked for the third largest auto insurer in america as a claims examiner. i wasn't the one who looked at the cars, i was the one who got the police reports and interviewed the drivers & witnesses and figured out how much percentage of fault each person had and what we were contractually obligated to pay. i defended my clients in binding arbitrations and assigned attorneys when they went to suit. i cut the checks. i, and my friends, and my supervisors, and even my department managers, all calculated these things with objectivity and paid what we owed. if you tell me you upgraded your stereo in your car to the kind of thing that buzzed windowframes and knocked pictures off of walls as you drive through neighborhoods and yet couldn't prove it, i didn't pay. if you told me that my policyholder crushed $500 worth of groceries in the trunk of your car when he crashed into it and gave me a receipt, i gave you an extra 500 bucks. it was how we all rolled. i'm sorry you've had a bad time. some companies are fuckers *cough*allstate*cough*. not all of them are. get some advice from your friends and family and if your parents have been with a company for 40 years and they like 'em, maybe you should give them a try too.
(fai is rocking khaz modan server as of, Sun 30 May 2010, 1:02, closed)

In the US, that's probably true, but I think we're talking about Insurance Companies that operate inside Treasure Island (UK).

Large companies seem to have free range to do as they please when it comes to consumers cash, and act with impunity.
(dchurch bah, Sun 30 May 2010, 9:34, closed)