Chris Rock joke. Doesnt make sense?

I used to work in insurance, so the following Chris Rock joke didn't make sense to me.
Got me wondering if people laughed, because they don't know how insurance works.

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You know what's worse than taxes? What's worse than tax is insurance.
They shouldn't even call it insurance. They just should call it ''in case sh*t.''
I give a company some money in case sh*t happens.
Now, if sh*t don't happen, shouldn't l get my money back?
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I think it's hilarious ! Don't take it so literal because you know the business. Loosen up.

 

That was great. Chris...Rocks

 

Yea its funny to me

but I see what you mean

 

It's funny Insurance are our assurances in case something happens.

 

I don't get it at all.

 

Lol that was a great joke. Hes complaining how high insurance costs are and we should get money back INCASE SHIT dont happen

 

Why I like him. Not afraid to say what people are already thinking.

 

he's awesome. its heaps funny

 

Rofl how can you not understand that.

 

Haha, that was funny..

 

You worked at insurance and you dont get this?

We really should get money back if shit doesn't happen.

 

lol, i liked the ep. when his dad got a bigger tax return than she should've

 

Strange I thought about this joke tonight when I bought new insurance on my car.

It's funny, but I can see why you would look into it too far.

 

Man, I think you need vacation!
LOL LOL LOL

 

It's a not a joke, just a stupid man's complaint. Jokes need to have a punchline.

 

I know people think I'm taking it too literally and not having a sense of humor.

Believe me, I have laughed at Chris Rock so hard that my sides have hurt. I just thought this particular joke was geared more towards people's ignorance.

I'm not some advocate for insurance or anything. I don't even work in the field anymore and could care less. It just suprised me, because Chris Rock usually is spot on with his analyzing the ridiculous nature of things.

I usually laugh at Chris Rock's jokes and say "Yeah, he's right. That makes sense!" or "Yes, he's right. The world does work that way!", etc.

But in this case, his assessment of how insurance works is so off, the it's just wasn't funny to me.

It's like the equivalent of saying:
"Now, if I go into a casino and bet $1000 and I don't win. Shouldn't they give me my money back?"

Actually, I think the reason I worked in insurance is why I don't get the humor in this. Because I see the flaw in the logic.
Where do you think the money comes from to pay for those that DO make claims on their insurance? The insurance fairy?

Here's a very basic understanding of how insurance works:
1. 5 people put in $1 dollar a month.
2. 1 of those people claims $5 for that month.
3. All the pooled money goes to that person.

 

You sound like me that one time, I think it was while watching Kevin James: Sweat the Small Stuff where he was complaining about how hard it was to open new CDs by hand, and I'm thinking; get a knife then dummy.
There are bad comedians, and there and good, but the good ones don't deserve getting over-analyzed. They run out of material too sometimes

He's being ignorant on purpose probably, to get a laugh. He's entitled to put on an act, getting 50 to 1 laughs is gold for a comedian.

You just compared insurance to gambling which is kind of funny and eye opening too

 

It is funny and it kind of makes sense. Insurance companies make great money until sh*t happens .

 

It was a basic view of Insurance and is undermining it, which is essentially what alot of comedy is.