程序员第三次创业-破产版

相当于给deductible部分额外投保？那作为用户怎么能相信这个产品不会跑路呢..毕竟你背后没有其他大资金支持

我觉得楼主的想法，行动力，写作思路，都超级棒！
希望有机会认识，一起学习！

我拿AI给楼主分析了一下法律合规风险

This raises significant legal and regulatory concerns in the US.

Key Legal Issues:
1. Insurance Regulation
What's being described appears to be selling insurance coverage (covering deductibles)
Insurance is heavily regulated at the state level in the US
Each state requires insurance companies to be licensed and meet specific capital requirements
Operating without proper licensing is illegal and can result in:

Criminal penalties
Civil fines
Cease and desist orders
Personal liability


2. This Likely Qualifies as Insurance
The product described appears to meet the legal definition of insurance:
Transferring risk from the customer to the company
Collecting premiums (the $19.99-30/month fee)
Promising to pay claims (the deductible reimbursement)

3. Required Steps to Operate Legally
Obtain insurance licenses in each state where selling
Meet state-specific capital requirements (often $500K-$5M+)
File rates and forms with state insurance departments
Maintain proper reserves
Submit to regulatory oversight and audits
Comply with state insurance laws

4. Specific Concerns with This Model
The pricing ($19.99-30/month to cover $1000-1500 deductibles) seems actuarially questionable
. 1point3acresWithout proper actuarial analysis and reserves, this could be deemed fraudulent
Personal liability risk if the business can't pay claims

Heisenberg 发表于 2026-01-26 08:09:00
是的 有风险，但是主要是觉得宠物保险太贵了，新的idea总是要试试的

赞，非常支持你尝试idea，不过最好做些法律方面的功课，免得掉坑里

呃
1. 有没有可能 你这个app最大的风险来自于法律 并不是所有人都能随随便便卖保险的
2. 有没有可能  这个deductible 原本就是最大的坑 保险故意这么设置 就为了自身利益最大化 而你却在这个坑里想怎么赚钱
那是不是等于收益很低 风险很大

小马驹 发表于 2026-01-26 09:16:21
有些保险的deductible是per condition的，所以一年可能不止一个一千，你要小心了。

谢谢提醒，我们term里面有一年有cap max报1000

这是再保险？那是保险公司吃肉你喝汤？关键是这么多精算师CPA确定能给你留口汤？来一次大规模传染病你不是嘎了

楼主真强啊。想问下之前怎么做到40万用户的

楼主抓bug
car coverage 这里两个$$

BR_ya 发表于 2026-01-26 14:10:18
楼主抓bug
car coverage 这里两个$$

感谢！已fix