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When the main character(s) of a movie, story, game, or other media manage to defy nearly all odds of being injured, killed, or otherwise majorly inconvenienced, it's safe to assume they must have some sort of supernatural insurance policy protecting their asses. Especially when others immediately around them are not so lucky.
As well as avoiding the negative, characters with MCI often happen to stumble upon just what they might need for a given situation, out of the blue.
This phenomenon could be chalked up to just plain dumb luck, or perhaps more likely unrealistic writing on the creator's part. Mary Sues and their variants are often gifted with Main Character Insurance.
Generally, when this occurs, it leads to a very unrealistic and fantastical atmosphere, removing any seriousness there might have been.
(Watching a movie):
Viewer A: What the hell? This character has managed to dodge bullets, stay underwater without drowning, and remain perfectly healthy in an outbreak of plague. On top of it, howcome the key to the safe was suddenly right there when everyone else has been looking for it for decades? That's just not fair.
Viewer B: Yeah, he evidently must have some sort of main character insurance. Considering the shooters killed everyone else, his friend drowned quickly, and his girlfriend is now dying of plague. If he really found that key so easily, it makes the other characters look like total idiots. Something isn't right here.
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Any undergarment worn underneath pants to avoid leakage/drippage such as boxers, tidy-whities, etc.
"I crapped my pants a little, but luckily I was wearing pants insurance."
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Stands for "Kindness Of Strangers". Humorous term for just the "old as the hills" practice of merely soliciting the assistance of nearby fellow humans if you have an emergency, rather than paying big bucks for an emergency-assistance plan from an insurance provider. The Amish/Mennonite people are widely known for this "deep sense of community" way of doing things.
I try to always keep my vehicle in good shape and carry all the necessary tools/supplies that I'd likely need in my trunk, and so I don't bother subscribing to AAA's roadside-assistance plan; so far, the K.O.S. Insurance Company has always seen me through with the few emergencies that I've ever encountered while tootling around the countryside. And in fact, usually I am the one who has been the "assister" --- way more often than not, it is I who have come upon other motorists who have broken down for some reason (i.e, flat tire, empty tank, dead battery, overheated engine, etc.), and so I am often able to use my own equipment to get them "up and running again", "patch them up" enough to "limp back home" under their own steam, or tow their jalopy to the nearest service-garage.
one who gains insurance company dollars by using there profession to deceive
That disablities exspert was a real insurance company whore.
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1. A precaution you take before getting an ass whooping.
2. What you buy before you get your ass whooped.
1. "Before we fight, you better get some ass wipping insurance and get drunk!"
2. "You better have some ass whipping insurance, cause you getting ready to pay a deductible....nigga!
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1. A precaution you take before getting an ass whooping.
2. What you buy before you get your ass whooped.
1. "Before we fight, you better get some ass wipping insurance and get drunk!"
2. "You better have some ass whipping insurance, cause you getting ready to pay a deductible....nigga!
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Referring to a bullet as an insurance policy; Implying that you'll kill someone as a means of guaranteeing the end result.
The use of a gun, or bullet to insure ones own interest by taking the life of the transgressor.
DAN: You're fired!
Mark: I've got a 9mm insurance policy.
DAN: I'm calling the police
Mark: *POP*, *POP*
e.g. Using a bullet to insure results.
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