this post was submitted on 08 Jan 2024
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Discussion of climate, how it is changing, activism around that, the politics, and the energy systems change we need in order to stabilize things.

As a starting point, the burning of fossil fuels, and to a lesser extent deforestation and release of methane are responsible for the warming in recent decades: Graph of temperature as observed with significant warming, and simulated without added greenhouse gases and other anthropogentic changes, which shows no significant warming

How much each change to the atmosphere has warmed the world: IPCC AR6 Figure 2 - Thee bar charts: first chart: how much each gas has warmed the world. About 1C of total warming. Second chart: about 1.5C of total warming from well-mixed greenhouse gases, offset by 0.4C of cooling from aerosols and negligible influence from changes to solar output, volcanoes, and internal variability. Third chart: about 1.25C of warming from CO2, 0.5C from methane, and a bunch more in small quantities from other gases. About 0.5C of cooling with large error bars from SO2.

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Insurance deserts, where private-sector companies no longer will sell regular home-insurance policies, are already developing in high-risk areas (www.wsj.com)
submitted 11 months ago by [email protected] to c/[email protected]
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Insurance agents and analysts said many insurers are “quiet quitting” high-risk areas rather than face the public relations or regulatory fallout from an official exit.

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[–] [email protected] 18 points 11 months ago (1 children)

"We can’t afford to use shareholder money…to support an underpriced product."

I made a claim to replace a door on one of my vehicles and my insurance premium went up for an amount and time that, when I did the math, came out to the amount they paid out for the claim. WTF is the point of all this other money I've been paying you for years if you're just going to recoup your "loss" by temporarily raising my rates?

[–] [email protected] 6 points 11 months ago (1 children)

Welcome to insurance. What were you expecting?

The whole point of insurance is that you're gambling and hoping to lose. It's fundamental to its nature that it be a scam. Insurance companies can only make money if their customers, on avergae, lose money to the nsurance company.

You said "vehicles", but assuming it's a car (I know nothing about boat or plane insurance), the company has you bent over a barrel: it's mandatory you have car insurance and every car insurance company knows it, so they can and do get away with abuses other insurance companies can't because at least other kinds of insurance are optional.

Reminds me of a Lemmy thread from a few months back where people were defending health insurance. Fools.

[–] [email protected] 0 points 11 months ago* (last edited 11 months ago)

Insurance companies can only remain solvent to pay claims if their customers, on average, lose money to the insurance company. Medicine should be public and not require insurance but to claim all insurance a scam is a fundamental misunderstanding of what insurance is for. You may find the "history of insurance" enlightening.