Do me a favor. Watch this State Farm commercial. I'll have a question for you afterward.
Here's my question: Have I been getting ripped off by my insurance company? When my wife's parked car was totaled by some drunken twat about a month ago, our company mailed us a check for the current blue book value of the car, minus a deductible. Seemed fairly reasonable to me.
As it turns out, however, the guy in the preceding commercial has a much better deal with State Farm. Despite being the town asshole who is so despised that people throw bricks through his window, he's got a plan that really seems to go above and beyond. I'm willing to look past the fantastical gimmick of having objects appear instantaneously as a gimmick for the commercial. What concerns me is that State Farm made up for a broken window by supplying these jokers with a sandwich, installing a hot tub in their apartment, and kidnapping one of their neighbors. And let's not forget the fact that two of these guys aren't even State Farm customers.
So have I completely misunderstood the point of buying insurance? I'd always assumed it was meant to replace the material possessions that you lose due to unforeseen disasters. Apparently, it's a way of granting the wishes of stupid douche bags throughout the country. Either that or State Farm is advocating insurance fraud. I mean, come on, they didn't even fix the fucking window.