Insurance

Bad time for insurance denials

By Anonymous - 06/01/2025 05:00 - United States

Today, my car broke down dead in the middle of the highway. As I was unable to get it out of the road, it was impounded, and my insurance won't help. Now I'm further in debt and struggling to get to work. FML

I agree, your life sucks 252

You deserved it 36

And you may ask yourself, "Where is that large automobile?"

By gus98 - 17/08/2024 07:00 - United States - Los Angeles

Today, I went outside and walked to my car, only to see someone had hit and run my car while it was parked. My insurance company deemed my car a total loss. The person who did this never got caught. FML

I agree, your life sucks 472

You deserved it 93

Leaked

By Nick - 18/04/2024 00:00 - Australia - Brisbane

Today, I found out that my toilet leaked into the apartment's ceiling downstairs and it's going to cost over $2000 to fix the ceiling and the clear all of the mould out. I have two different types of insurance and neither of them are likely to cover it. FML

I agree, your life sucks 465

You deserved it 81

Cancel culture

By Anonymous - 17/12/2023 17:00 - United States

Today, I found out that my insurance canceled my contract, claiming I hadn't paid, even though I had. I only discovered this because I backed into a car. FML

I agree, your life sucks 493

You deserved it 114

Baby you can't drive your car

By BoyRacer - 21/11/2023 05:00

Today, I picked up my first ever brand new car. Top of the line, beautiful, can't be happier. However, trying to insure it, the company has taken my money, but not completed the deal, and therefore I'm not insured. Their customer service knows this in an online fault and I have to wait for them to refund. FML

I agree, your life sucks 433

You deserved it 94

Swindled

By Can2 - This FML is from back in 2014 but it's good stuff - United States - Houston

Today, I called my auto insurance company to try to get some discounts and lower my rate. I ended up adding $30 to my monthly payment. FML

I agree, your life sucks 41 941

You deserved it 14 568

Insurance is a scam

By Anonymous - 28/07/2023 18:00

Today, a certain insurance company that rhymes with “Asshealth” caused my autistic ass to lose over a year of sobriety from self harm when their intentionally frustrating automated system caused me to blackout and I bashed my head against a doorframe, all to be told to call a different number that didn’t even work. FML

I agree, your life sucks 620

You deserved it 363

Racketeering

By Anonymous - 20/06/2023 20:00 - United States - Isle

Today, I woke up to the most excruciating pain in my jaw. No dentist that takes my insurance has any openings, and the one doctor I can see to get antibiotics isn’t in. FML

I agree, your life sucks 769

You deserved it 103

Snail mail

By Anonymous - 31/10/2022 14:00 - Germany

Today, I finished the cumbersome process to sign up and log in to my health insurance’s online office so I could reach them by email. As a reply, I got an email telling me I have a message on the website, which - after having logged in - informed me that they have replied to my inquiry. By letter. FML

I agree, your life sucks 850

You deserved it 97

The neverending story

By Hope you blow your brains out, you pussy! - 03/02/2022 01:59

Today, I'm currently in a long-running argument with the police because on New Year's Eve, some dumbass threw firecrackers at my car, destroying one tire, the two taillights, and the front windshield. I've been reporting it the morning after since, and neither the police nor the insurance want to do anything. FML

I agree, your life sucks 969

You deserved it 94

Healthcare in the USA

By still can’t sleep - 21/12/2021 05:01 - United States

Today, despite changing my eating habits, exercising regularly, and taking melatonin, I still can’t sleep. When I told my doctor, she prescribed antidepressants. This is the third time she’s tried to give them to me. That’s her solution for everything, and my insurance won’t give me another doctor. FML

I agree, your life sucks 974

You deserved it 150

Pass the parcel

By KatnissEverdeen - 16/12/2021 14:01

Today, my fireplace caught fire. The landlord says renters insurance should cover it. The rental insurance says the landlord should. FML

I agree, your life sucks 1 010

You deserved it 82

Dysfunctional

By Anonymous - 11/10/2021 05:00 - Germany - Norden

Today, health insurance is supposed to take care of your health. Or that’s what I thought. Mine is currently pushing me towards suicide, by repeatedly asking for money I don’t have, for an insurance I don’t want, because they don’t pay for anything that actually helps me. FML

I agree, your life sucks 1 311

You deserved it 164

Racketeering

By Anonymous - 25/08/2021 04:01

Today, my car was damaged in an accident. At the garage, I happened to find out that if some big insurance company is paying for the repairs, they only charge half the hourly rate they charge people who have to pay from their own meager salaries. FML

I agree, your life sucks 815

You deserved it 101

Insurance is a racket

By Anonymous - 16/08/2021 08:01 - Germany - Dresden

Today, health insurance is mandatory in my country, and you pay 15% of your gross income for it. Sounds acceptable, right? Except when you find out that, according to the insurance companies, 15% of ZERO is 170 €. FML

I agree, your life sucks 878

You deserved it 147

Modernity

By Jules - 29/10/2020 02:03 - Germany - Aachen

Today, my health insurance has finally gone digital, so I sent them a message through their webpage, asking a question. I then got an email, telling me they'd replied. I had to log into their webpage again to see the reply, which read, "A letter concerning your question has been sent to you by post." FML

I agree, your life sucks 1 183

You deserved it 91

Insurance is a scam

By Zanquis - 30/12/2016 19:04

Today, I got stuck with a water-damaged kitchen. The manufacturer says their warranty doesn't cover it as it's a user error, my insurance says they don't cover it as it's a manufacturer error. FML

I agree, your life sucks 3 164

You deserved it 214

Insurance is a racket

By Chriso - 17/11/2009 11:48 - Australia

Today, I was finally discharged from hospital after being in there for one month, I arrive home to find a letter from a debt collection agency for my unpaid car insurance premium, and another letter from my car insurer to say that they aren't covering my accident due to non payment of premium. FML

I agree, your life sucks 30 438

You deserved it 3 965

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The Top

Today, a guy drove straight into an intersection, running a stop sign and narrowly missing my car. I had to swerve into a snow bank to avoid him. He stopped long enough to see that I had a toddler in my car, before flipping me off and driving away. FML

I agree, your life sucks 48 329

You deserved it 3 665

Today, I hosted a New Year’s Eve party, but everyone left at 11:45 PM to go to another party because "it sounded more fun." I rang in the new year alone. FML

I agree, your life sucks 511

You deserved it 113

The Top

Today, I found out my brother doesn't have a problem with "keeping it in the family". It's now up to me to explain why our cousin is pregnant with his kid. FML

I agree, your life sucks 2 174

You deserved it 174

Today, my parents came back home from a one-week trip, during which I didn't let any friends over, so I could keep the house clean. Now my parents say they'll never leave me home alone again because the house is "too clean" and I must have thrown a party while they were gone. FML

I agree, your life sucks 15 436

You deserved it 1 138

Today, due to my blood pressure, I've begun getting an agonising migraine every time I get increased heart rate from arousal. We’re supposed to be trying for our first baby, but we’ve not had successful sex in weeks because I can’t last until orgasm before I feel like my head is splitting open. FML

I agree, your life sucks 979

You deserved it 168

Today, as a volunteer tutor, I met up with a girl who needed help with calculus. When I introduced myself, she wrinkled up her face and said, "I'd hoped you'd be hotter." FML

I agree, your life sucks 33 805

You deserved it 2 782

Today, at the movies, some asswipe kept throwing candy at me. After 20 minutes of it, I got up and went over to get him to stop. Good news: his balls vanished faster than a politician's spine immediately after being elected. Bad news: I got kicked out for "starting a disturbance". FML

I agree, your life sucks 41 345

You deserved it 3 786

Today, I received my employee ID, which I have to wear at all times at my new job. The only problem is that in my photo, I look like a donkey having a seizure. Customers keep snickering at it, and my boss thinks I posed like that deliberately. FML

I agree, your life sucks 37 819

You deserved it 4 579