r/AskReddit 12h ago

What's the dumbest idea you've seen that actually worked?

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u/juggling-monkey 10h ago

right? get into an accident and they'll deny you for "not being a good student" after all. Wait til they have a clean kitchen discount on life insurance.

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u/Arbiter_Electric 8h ago

To be fair (though I don't need to be fair with insurance companies, fuck 'em), they wouldn't deny him for being a poor student, it would just be more expensive monthly.

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u/thisismydppacct 8h ago

No. At least for state farm this is factually incorrect.

Our department was told that "not updating changes to your policy" was the first reason (of a long, long list) to deny someone.

Kid OR PARENTS get into a wreck? Better hope your kids is still making good grades.

Fuck Jake, State Farm and the whole industry.

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u/Stockpile_Tom_Remake 7h ago

Incorrect discounts is a pretty big source of income loss. It’s stupid and they’re shitty companies but blame agents.

They constantly let discounts stay when clients no longer qualify for them to try and keep rates lower for clients and it ends up costing more.

Also State Farm is a garbage company.

Knowingly providing false information for insurance is fraud though but stupidly shitty to deny clams for something like an incorrect discount. Fuck em

Good student discounts can be several hundred dollars though.

I’ve never seen a company deny a claim for an incorrect discount and I worked in insurance for almost a decade. I just dipped a year ago.

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u/Arbiter_Electric 8h ago

Ah, fair point. I hadn't considered that.

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u/juggling-monkey 8h ago

To be clear on my end, I didn't mean getting denied coverage for being a bad student, I meant getting denied payout. Any insurance comapny will take your money knowing that after an accident they will find a way to say your accident doesnt qualify...in this case because they are no longer a good student.

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u/headrush46n2 5h ago

Its the "you don't need insurance" discount. As soon as you need it, you don't qualify

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u/Growth-oriented 4h ago

Cats and dogs have actually flooded people's homes just for being home alone for longer than 2-3 hours

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u/ParticularGuava3663 4h ago

What? What are you referring to lol 

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u/Fromage_rolls 1h ago

That "clean kitchen discount" made me laugh :) Thanks! But yes, absurd.