missharleenfquinzel:

missharleenfquinzel:

missharleenfquinzel:

I imagine insurance companies in Gotham can’t cover destruction from all villains, so they have plans called things like “Pick 4″. And you pick 4 villains to be covered in your policy. Kinda like putting your chips on certain squares in roulette. And of course there are plans like “Pick 5″ for more money.

And much like roulette, it becomes a bet on which villains are gonna fuck shit up that year. “Honey, remind me to call up the insurance company and take The Riddler off our policy. He’s been pretty quiet and Halloween’s coming up so I’d like to put Scarecrow back on there.”

“What do you mean this isn’t covered!? My policy covers Joker, Riddler, Scarecrow, and Two Face! And Two Face robbed my bank so you have to pay for this!”
“Sir, if you recall, you took Two Face off your policy to replace it with protection against The Arkham Knight.”
“….Oh yeah. What a weird week that was.”

People pretty much ALWAYS get covered against Joker because…come on duh. One particular year Penguin was abnormally active and screwed everyone over because NO ONE put him on their policies. 

Insurance companies used to lump Joker and Harley together because Harley was pretty much just an extension of Joker but after she started breaking away from him they had to discontinue that deal. (Aka the REAL reason people are pissed she’s not with Joker anymore. It’s all about insurance policies.)