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:
How much each change to the atmosphere has warmed the world:
Recommended actions to cut greenhouse gas emissions in the near future:
Anti-science, inactivism, and unsupported conspiracy theories are not ok here.
"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?
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.
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.
Having worked in the insurance industry for way to damn long I'll make it simple: nationalize it, all of it. No one company can spread it's risk enough to offset the unpredictablility climate change has wrought.
Y'all handful of people up there in the Dakotas, enjoying the boring uneventful peace and quiet... Got some bad news for ya...