Those who don't can stay with insurance companies

insurance 

Those who don't can stay with insurance companies... Shouldn't US citizens be offered one-on-one free health care if they want it? Can't stay with insurance companies.

If that works that would be great. The problem is that single-payer health care is a unified system:

The strong support the weak. If you let people choose, the powerful, that is, the rich and healthy, will come out because that way they pay less or at least think they will pay. Thus the system has problems of subsistence because the powerful are allowed to leave it.

This was the case in Germany

We currently have a single-payer health care system (well, not quite but very close), but if your income exceeds a certain limit you are allowed to leave the system and pay your medical bills or have private insurance. Once you exit the system you cannot return. The result was that the rich and healthy left the system and received private insurance. The system is still in operation but it became more expensive for the average Joe over time because the power of the powerful was not there.

And since private insurance was not based on income but on health risks and most of them were young and healthy, they got better pay with less money. That happened a generation ago and now those who were once young and healthy are old and sick and the risk to their health allows their insurance premiums to increase. Of course, they never thought of that, they only saw better temporary care for less money. Many people can no longer afford health care and cannot return to the system.

Over time the only option is the so-called "Bürgerversicherung" which translates as "citizen insurance". Everyone is in the system, no exit. Payments are based not only on income from employment but also on rent or profits, from all types of income. Everyone is covered, whether they work or not or how much they earn or have owners. Not all items will be covered, only medical requirements. Everything else can be repaired with extra private insurance.

TL; DR: One payer does not work well if you remove a strong one from the system.

How do you negotiate a totaled car with insurance?

There is a lot "dependent" on that ...I have fought with insurance companies four times - twice in the same car! The secret is to know three things, cold: what the real value of the car is, and how you can prove it. what the actual cost of repairs will be, and how you can prove that when to stop fighting - if (2) is greater than (1), you are tired.

Insurance companies are actuaries of profit-making organizations. They accumulate unreasonable mathematical calculations, and they can with good certainty determine the “mathematical estimates”

of these items. But they will not know about YOUR car and your accident.

Case in point. I had an '83 Mercedes diesel, which was cut off by the F350 and thrown into the Camry in front of me. The insurer looked at that, said "yes, total" and gave me $ 1500.

What the insurance company did not know

My car was a 300CD Turbo, which only made about 1200. None of the "millions and millions" of four-door sedans. And they didn't know it was a three-owner car, and that I had all the paper in it back the window sticker. And they did not know that it was the quality of the show, and they had been in a competition - which meant pictures with amazing details and ideas from experts.

I had to hire a student inspector who had knowledge of the particular company to compile and file a case for about $ 18k, but once that was done ... they let me choose my store to fix it.

Now… What if I already had “vanilla empty of millions available” 300Ds? That will not work. I could - and would - have argued with the "real" price (which would be closer to $ 3k than $ 1500) but there is no way I could fix it.

At one point, I ended up getting a “complete” decision canceled by showing that the repair rates used by the insurance company were more than 2.5x without the actual repair cost. That was possible because, as a young man who had returned a lot of cars, I was in a relationship with the brothel and I knew who I had to pay a small contract for to get the best result and the lowest price.

So you can suggest scales in any way, sometimes.

But ... if you are talking about a "vanilla" car, one of which is made for millions, and what are the uses of the same style of the same year that are available? You will not succeed unless someone mocks you.

You need to be able to justify the insurance company's liability for the car value before the loss - which could be the amount of cash you could sell the day before the accident. Collecting that data is not difficult at all, but it is a lot of work.

Good luck.

(Source of the article: www.quora.com)