Insurance payout

**Flip** · 04-07-2024, 08:00 AM

I rarely ever take insurance. However today, my question is centered around maybe what you would call "Common practice".

Let's say that I am at a Black Jack table and that I bet $100 using a 100 chip. Now after all of the cards are dealt the dealers face card is an Ace, so insurance is offered. Let's suppose I take insurance and place a 50 chip on the table for my insurance.
Then the dealer eventually reveals that he/she has a Black Jack. So now I won my insurance bet and will be paid $100.

Here is the expected outcome carried out by the dealer :
Now the dealer will pay me two 50 chips because I won my insurance bet of 50. The dealer places my two winning 50 chips next to my insurance bet and this visually shows that the payout was 2 to 1 as it says on the black jack table.

So my question is : Can, or should I ever witness the dealer pay me my winning insurance bet using a 100 chip instead of two 50 chips? I am especially wondering if this would ever occur in a casino.

The reason I ask is that I was playing black jack at a local club house. We were not playing for actual money. At the clubhouse the scenario played out like above where the dealer just paid me using a 100 chip instead of two 50 chips.
The dealer told me that she had to pay me using a 100 chip because she was low on 50 chips which is understandable. But then after I left the casino I started to obsess a little cognitively (LOL) and wondered if something like that would ever occur in a casino

**DSchles** · 04-07-2024, 04:12 PM

First, there are no $50 chips in casinos--just $25 and $100--so your question is moot. Second, yes, of course, they could/would pay a $50 insurance bet with one black $100 chip.

Don