- 14,808
What if the entire car "world" operated like health?
Male age 45 drinks and drives - speeding down the road smashes into a fence and wrecks the car.
*$25 copay to tow the car home
*Deductible + coinsurance to fix the car; $20,000 worth of damage, client paid $5,000.
*Court date comes, $1,000 fine and $5,000 in attorney fees but the client ownes nothing. Already hit OOP for the year.
*Client gets caught going 80 in a 55 zone. Police officer writes out a ticket for $500 dollars but that doesn't matter since it's a $25 copay.
*4 months later his car blows up. Drove around for 3 months with the "check oil" light on. $25 copay for the tow. Replaced engine was $3,500 but the client doesn't owe a cent. Already hit his OOP for the DUI.
Car insurance company cannot raise his rates or cancel him.
*Next month he's doing 80 down the road again, this time the check engine light's on. And who cares since car insurance has to pay for it.
Male age 45 drinks and drives - speeding down the road smashes into a fence and wrecks the car.
*$25 copay to tow the car home
*Deductible + coinsurance to fix the car; $20,000 worth of damage, client paid $5,000.
*Court date comes, $1,000 fine and $5,000 in attorney fees but the client ownes nothing. Already hit OOP for the year.
*Client gets caught going 80 in a 55 zone. Police officer writes out a ticket for $500 dollars but that doesn't matter since it's a $25 copay.
*4 months later his car blows up. Drove around for 3 months with the "check oil" light on. $25 copay for the tow. Replaced engine was $3,500 but the client doesn't owe a cent. Already hit his OOP for the DUI.
Car insurance company cannot raise his rates or cancel him.
*Next month he's doing 80 down the road again, this time the check engine light's on. And who cares since car insurance has to pay for it.
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