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Liberty Mutual Commerical
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Thread replies: 91
Thread images: 13
These fucking Liberty Mutual commercials piss me off. I don't know what the fuck it is about them, they just make me want to kill something.
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>>64692195
they are made for hipster mellinial trash. car insurance is fucking car insurance. any company can write up just about any policy you want, including new car replacement.

i would total her though, if you know what i mean.
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it's the fake statue of liberty in the background of all of them. they were too cheap to go down and shoot it in nyc?
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It's probably because the entire commercial is just making you sit there and listen to some dumb kid who has no idea how insurance works.
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>>64692369

I thought that was the statue of liberty and assumed this was shot on location. What makes it look fake?
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>>64692347
Daisy Summers/Haze is a good lookalike.
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>>64692195
>you paid insurance
>then you find out they'll only pay for half the car to get repaired
>you can't drive around on 2 wheels
You just know there are some people watching these going "yeah, how the fuck they gettin away with this"
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>>64692369
That's pisses me off, you don't even have to have visited it to know that's not what the landscape looks like
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>>64692417
Wherever she's standing doesn't exist
And it's like a half mile from the shore
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Joann!?

Is that you?
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>>64692195
>Insurance companies are your ally
>Good Goy
>You're lucky we even paid your claim
>We are your friends
>Don't ask questions, just accept our advice
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>>64692531
I hope this kid gets more roles.
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>>64692540

>Insurance rates are so high were you live because of all the bad drivers.
>Your insurance rates are so high since you're under 25
>Your insurance rates are so high since you're under 35
>Your insurance rates are so high since you have a red car

>Insurance companies plastering TV ads 24/7, during super bowl, etc.
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>>64692424

It really is pretty bullshit how car insurance works, though. Let's say you pay into it for 5-7 years without a single accident. You've given them several thousands of dollars at this point and had ZERO liability, you cost the insurance company NOTHING. Then there's an accident that involves, say, a $1000 claim for repairs. So the insurance pays that, and now you have an accident so your actuarial liability goes up and that means you have to pay higher premiums for another 3-5 years. Not up to the amount that covers your claim, even, you'll pay them back multiple times what they paid on that claim using the added costs alone, not to mention the base premium you've already been paying. So you end up paying them like $20,000 over the course of 8-10 years just so they could cover that one $1,000 accident.

It's good that insurance companies now have "accident forgiveness" and stuff like that, but I think it could be done better. Let's say you pay $100 per month for insurance. $50 goes into administration fees that keep the company running, and the other $50 goes into a sort of bank account that the insurance company owns with your name on it. They get to earn interest on this money, which is additional revenue for them. As you accumulate money in this account, if you ever have claims but they don't exceed the amount in that account, then your premiums don't go up and it just gets paid. If, however, you EXCEED what you've built up in that account then you've actually become a liability and a financial burden, so they raise your premiums.

So if you have no accidents after 2 years, you'd have $1,200 in that account. So if you get into some fender bender that has a $1,000 claim, it just gets paid and you keep the same premiums because you didn't use any money other than what you've personally put in anyway, meaning you didn't cause a financial burden.

But it will never be that way because the current way makes tons more money for the insurance companies.
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>>64692531
Much old ass faggots can't handle the Pan banter.
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>>64692195
I NAMED MY FIST BRAD AND ITS ABOUT TO CRASH THROUGH THIS TELEVISION SCREEN
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>>64692771
Or just live somewhere that doesn't worship the motor car as some kind of god.

I'm 33 and never driven a car nor will i ever.

I never understood the american obsession with cars until i went their and found in a lot of places they do everything they can to make it ipossible to live without a car. Public transport is terrible, everything thing is built very far apart, theres a real culture of car driving, to the extent that many people will give up most of their money and lose out on so much other stuff just to have a car.

in america more people are killed by cars than by guns and you don't seem to care about it at all. Thats not just america of course, this happens nearly everywhere.

A very human madness, societies built around cars, roads everywhere, huge tracts of land given over to the temporary storage of cars, people throwing all their money into them.
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No spokesperson will ever beat Lily from AT&T.
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>>64692470
THEY PLAY SOME SICK ASS GIMBALED FOOTAGE OF THE STATUE'S TORCH AFTER THE TERRIBLE FUCKING ACTOR MONOLOGUES ARE OVER

https://www.youtube.com/watch?v=6ah5VHXiTcI&feature=youtu.be&t=46s

ITS WHERE JJ STOLE THE FINAL SCENE OF TFA
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I always hate how smug the people act despite being fucking retards.

>you spend days researching for the right car and then wrap it around a pole! maybe you should have been researching a better auto insurance company

Or maybe you should learn how to fucking drive!
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>>64692936
It's even worse in major cities. Small towns can be a pain, but if you're not completely lazy, you can manage to get around with a bike or something.
Cities esp big ones, forget about it. If you don't have a car, you're not going anywhere.
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>>64692936

I don't disagree, but it's not easy to just relocate overseas and I wouldn't want to because I want to be near my family and friends anyway. I actually have arranged my life such that I don't need a car except to visit my parents. I live 1 mile from work so I can walk. I live 5 miles from downtown so I can bike. It actually makes insurance all the more infuriating to me, because I pay $100 per month to have my car parked in my apartment parking lot and I use it like once or twice a month at the most. It's retarded. And the worst part is that if anything ever happened to my car they would jack up my insurance rates, even if it wasn't my fault. So if some asshole rear-ends me someday I'll be paying $200+ a month to have my car parked 95% of the year.

It's a shitty system that benefits the insurance companies first and foremost and disregards the consumer. It could be improved, but why would they bother? People will accept this way of doing things anyway and it makes more money to fuck people over.
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>>64692936
I'm an american and you're pretty much spot on. My father has always taught me that if you're really tight on money to the point where you have to choose between your home and your car, you choose the car. You can't drive to work in a house but you can live in a car if you really have to.
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>>64692771
Just don't pay insurance. I've been driving since 2010 and only pay a week in advance whenever I get a new plate and then just let it lapse. $200 a month? no thanks. My hipster friend got so mad when I told her I don't pay for the bs
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>>64693219
LIVING DANGEROUSLY BRUH

ITS UR ASS IF SHIT HAPPENS

DO YOU HAVE ASSETS? THEY'LL TAKE IT ALL
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>>64692195
The niggerbitch with the white palms
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>>64692195
>you're like the poster child of paying your bills on time

YOURE SUPPOSED TO PAY YOUR FUCKING BILLS ON TIME YOU STUPID MILLENIAL SHIT

THATS HOW IT WORKS

IT ISNT AN AMAZING ACCOMPLISHMENT

YOU DONT GET MEDALS FOR PAYING YOUR FUCKING BILLS

REEEEEEEEE
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>>64692531
This is always how I saw Peter, fuck that little shit
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>Hey, remember my dad.

And not once but twice in a row it runs the fucking thing.
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I don't get how I'm suppose to get mad at the insurance company raising your rates when you crash a car.
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>>64692936
You see from this post i can tell you are from a very specific part of europe.
Literally every other developed western country has car culture
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>>64693254
What will they take?
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>>64693219

The risk isn't worth it to me. In my state they actually check on this shit and you get fined big time if they see you have no insurance. Plus, if any cops pull you over for any reason at all you're fucked.
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>>64692531
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>>64692936
>everything is built far apart
Our country is fucking bigger
Our houses are bigger
Our yards are bigger
My European friend once flew into Philidelphia and drove to New York to save some pocket change on a flight, you guys are such idiots
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>>64692771
>why is insurance a net loss if i dont have an accident
Thats how insurance works, you are betting against the good outcome
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>Love. It's what makes a Subaru, a Subaru.
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>>64693369

You'll be fully liable for any costs incurred by an accident, plus fines and fees for driving without insurance, plus your license suspended and possibly your car impounded. And if you don't pay off what you owe in a timely fashion they'll just start garnishing your wages even if that means you can no longer afford rent.
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>>64693316
Nepotism: the commercial.
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>>64693369
DEPENDS WHAT YOU DO, ACCIDENTALLY KILL PEOPLE WITH YOUR CAR WITHOUT INSURANCE?

AFTER THE CRIMINAL PART THEIR FAMILY WILL SUE YOU CIVILLY FOR LOADSADOSH

INSURANCE IS TO PROTECT YOU
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>>64693422
Then it would be payback time in the name of Alluh!
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>>64692470
Funny to think about. There isn't land anywhere near this close to Liberty Island. I don't even think the SI Ferry gets this close.
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>>64693455
>INSURANCE IS TO PROTECT YOU
My sister is a lawyer and she said in a civil dispute 9 times out 10 the insurance companies won't pay for shit. It's all a fucking scam.
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>>64692195

https://www.youtube.com/watch?v=8s1A68z7YFU

>No insurance commercialfu
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>>64693395

I know that. I actually work for an insurance company and understand it all well. But car insurance in particular is a poorly set up system that not only means it's a net loss if you don't use it, but it's an EVEN BIGGER LOSS if you DO use it. The way that car insurance works right now, if someone ELSE hits you your rates will increase because "You've been involved in an accident" and now, from an actuarial standpoint, you are a higher liability even though realistically you actually aren't because it wasn't your fault. And then you end up paying back all of what was paid out, just over a long period of time from jacked up insurance premiums. And I haven't even MENTIONED that you ALREADY HAVE A DEDUCTIBLE ON TOP OF THE PREMIUM RAISING BULLSHIT.

I get that insurance is a gamble and it's a net loss if you don't use it. But it shouldn't be a greater loss to make use of it, because the whole point is that you're paying them in advance for the shit you might incur later. Except if you incur shit later they'll just make you pay more anyway, even if it's less than the amount you've already given to the insurance company over the years. This literally only happens with car insurance.
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>>64693422
There's absolutely no reason why car insurance shouldn't be handled like health insurance
Insure yourself and only yourself, and realize if you're driving a car worth a quarter million dollars more than anything else on the road, even if it's not your fault, you're probably not gonna recover the entire value of the car
If someone steals a million dollars (or any amount), even if they get caught, you usually have to deal with the fact that most of the money is gone
If you're a habitual bad driver then you get your license take away
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>>64693513
THEY TRY TO CATCH YOU ON ANY TECHNICALITY IF THEY CAN, BUT A GOOD LAWYER WILL GET THEM TO PAY

JUST MAKE SURE YOU KNOW THE COVERAGE IN THE POLICY, CUS LOTS OF THEM ARE THIN AS FUCK
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>>64693545
No because it accounts for that big unlucky accident for an otherwise untarnished driver record
The premium goes up to punish people who keep crashing their cars.
Although i agree that the premium shouldnt go up after the first claim
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>>64693128

wrongo dongo retard new york city and chicago both have some of the best public transport in the world
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In my state you can pay liability which is only like $60 a month. You don't get money for damages, but you don't get your ass handed to you if an accident occurs either.

MT
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>>64693606
>jew york
>chiraq
Have fun getting raped/stabbed.
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>>64693513
As long as the person who hit you isn't a scumbag, it's usually pretty simple
If it goes to court then someone is obviously lying, and it's your word against theirs and a tiny bit of ambiguous forensic evidence
Every accident I've ever heard of someone claims full responsibility and that's that
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>>64693369
Your license
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>>64693640
>hurr durr I'm sure superior to them city boys in my safe walled flyover suburb
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>>64693548

You're right, it could work like that and it would be better. Car insurance is broken in a way that no other insurance is.

>you're probably not gonna recover the entire value of the car

Well, if it truly works like health insurance you might be able to recover the full value, provided you pay high enough premiums for a really good plan. With health insurance, if you pay $100 per month you'll have a $5,000 deductible and 75% coinsurance (meaning you owe 25% after deductible), but if you pay more like $500 per month those numbers start looking more like a $2,500 deductible and 90% coinsurance.
Pay closer to $1,000 per month and you start having a $500 deductible and 100% coinsurance.

Car insurance COULD work like that, with some modifications due to the nature of how car repairs and car replacement work vs how healthcare works, but it just doesn't because car insurance companies are getting away with fucking everyone over and why would they stop doing that just to make less money?
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>>64693675
Uh hunh, enjoy your daily gang violence/riots in Chimpville.
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>>64693619
BASED MONTANA, BOZEMAN HAS GREAT HUNTING

CRAZY THERE USED TO BE NO SPEED LIMIT DURING DAYLIGHT HOURS

LOTS OF SUPER CHEAP INSURANCE JUST GETS YOU LEGAL WITH THE COPS, SO NO CRIMINAL COURT, BUT UR STILL ON THE HOOK FOR EVERYTHING ELSE
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>>64693675
>fly over state

Yeah I'll enjoy my open spaces and fresh air over your rat infested tenements.
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Smokey Girlfriend.
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>>64693600

The premium should go up after you've caused financial burden to the insurance company. If I've paid a car insurance company $10,000 in premiums and I have a $2,000 claim, there is no way in hell I actually caused a financial burden. They're still making more than a healthy profit off of me. People who habitually get into accidents will naturally incur claims that exceed the amount they've contributed (or some other amount like 25% or 50% of lifetime premium contributions), thus causing financial burden, thus necessitating increased premiums.
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>>64693678
I was trying to say if you take a Ferrari out you can't expect other people to pay for your car even if they crash into you
In a fair world that's how it would work, but that's not how things are.
That's essentially why insurance is so expensive, everyone is forced to insure themselves incase they crash into a million dollar car
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>>64693729
>I'll enjoy my open spaces and fresh air
>implying you don't just shitpost all day because you have nowhere to go
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>>64692945
anyone know a porn lookalike?
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>>64693766

Oh, I see what you're saying. Yeah, you're right. That's actually how it works in no-fault states, but there are all sorts of problems with that as well, like having double the insurance premiums for the same level of coverage while still having all the issues of your premiums skyrocketing the second anything happens that causes your insurance to be used. Car insurance is just broke as fuck and needs to be dismantled and started over. It's based on an antiquated system from decades ago that simply never evolved to reflect modern times.
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>>64693738
That's why the whole system is retarded, everyone is forced to insure tail risk
The only thing that makes sense is insuring yourself and facing criminal charges for negligence/property damages
In an "accident", by definition, no one is responsible and it was reasonably unpreventable, so you can't assign blame to either party
If it was anything less than an accident then you lose your license or face some other punishment
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>>64693954
Thats more retarded
Why would you make a car crash a criminal activity
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the old man who loves consumer cellular makes me want to claw my eyes out
https://www.youtube.com/watch?v=LLAT_0U5yBA
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>>64694138
I'm saying if someone intentionally or negligently crashes into you it would be dealt with like any other property damage
Their lack of financial responsibility wouldn't make them not responsible at all
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>>64692195

i want to fuck the chicks in them. this chick with the big head, that perfect black chick... that fucking milf with dat ass.
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>>64692448
Right, in Deus Ex it looks completely different
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>>64694492
You ever see the OTHER asian chick?
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>>64693139

Don't be mad because you're fucking stupid. Just rent a car to visit your parents dumbass. It would be way cheaper, andmost likely you're visiting on the weekends and the weekend rates are ridiculously cheap.
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>>64694551

She sucks. Pic related.
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>>64694696

I'm pretty sure renting a car once or twice per month would not be cheaper than $100 per month. And I do use my car for other things, they're just few and far between, and mostly fueled by laziness rather than necessity.
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>>64694697
Eh, she does the trick when she is the only asian on TV at 4am and you only have 15 seconds to cum.
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>>64692561

he's fucking weird looking. saw him in something recently, can't remember what though. so he's getting roles
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>>64692999
>I always hate how smug the people act despite being fucking retards.

so basically New Yorkers
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>>64694737

Yes, it is cheaper. Weekend rates are like 9.95/day. You said you pay $100/mo for parking, you forgot what you pay for insurance, and possible car note. And so you DO use your car for other things, you're just a lying hipster faggot aren't you now?
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>>64692195
*NEWS FLASH*

nobody's perfect
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>>64692195
>You *loved* Brad
>but then Liberty Mutual calls
>and you do your slut dance
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>>64693219
It's against the law to drive without insurance. Underage poster here pretending like he knows how the world works.
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>>64692369
YEAH LET'S JUST PACK UP ALL OUR EQUIPMENT, PERSONNEL, TALENT, GET A VAN, AND DRIVE THROUGH THE CITY TO THIS COMPLETELY RANDOM LOCATION THAT MAY BE CRAWLING WITH PEDESTRIANS TO FUCK UP OUR SHOT, THE AUDIO WILL SOUND HORRIBLE BECAUSE WE'RE RIGHT BY THE WATER, AND THE LIGHTING WON'T BE IDEAL

Jesus Christ faggots, the Statue of Liberty background is a fucking placeholder. They could change the background to any location if they want to. Plus, THE CONVENIENCE OF FILMING IN A STUDIO VS LOCATION SHOOTING. Do you fuckers know anything about the industry? Don't answer, I already know.
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>>64694912
>*record skips*
> how did nobody get perfect
> rewinds to accident 2 months ago
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>>64692936
If you're 33 and never driven a car then I say you're either a poorfag or a bum loser.
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>>64694950
She-yeah, 3 jobs, 2 boyfriends and she looks pregnant. Dumb slut that can't commit to anything, plus she is asian so we know she is a shitty driver.
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>>64692195
> names car brad
> jewlywood promoting more white men with asian girl propaganda
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>>64694889

>You said you pay $100/mo for parking, you forgot what you pay for insurance, and possible car note.

No, you completely misunderstood my post. I pay $100/mo for insurance. Parking is free. I was equating insurance payments to paying for parking because of how infrequently I use my car.

>And so you DO use your car for other things, you're just a lying hipster faggot aren't you now?

Yeah, but like I said I only do it out of lazy convenience, not true necessity.

>Weekend rates are like 9.95/day

I dunno where the hell you live, but I literally just pulled up Enterprise for my city and checked the price to rent a car next Sunday. There were two things I noticed:

1. It's not possible to do a pick up and drop off on the same day. Visiting my parents is typically a one day trip.

2. The cheapest car rental is $40 per day. The shortest rental period is 2 days, so that means $80 per trip to my parents. If I visit them twice in one month I'm already paying almost double my insurance costs for the rentals.

So I might as well pay the $100 per month and actually OWN the car. But it still chaffs my wheat how badly setup car insurance is for the consumer.
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>>64693384
unironically digged that scene
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>imagine you're shitposting on /tv/
>and then boom, you get doubles
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>>64694419
>intentionally or negligently
You see its practically impossible to determine this
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>>64695345

So you went from driving your car once a month, to driving your car quite a bit. I bet you really drive your car all the time basically.

Texas. The shortest rental period is 24 hours, usually that spans two days but if you return it within 24 hours you only pay for one day. I can't believe I'm explaining this to you, are you a fucking idiot?

LITERALLY you're a hipster-wannabe douche
Thread replies: 91
Thread images: 13
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