The entire skit is a satirical play on State Farm Insurance jingle "Like a good neighbor, State Farm is there," and replaces it with "Oops I was racist black guy come here." A white male goes through his day having conversations with his black friends. The parody commercial says that "Racism Insurance" is for "those times when you kinda weren't thinking."
The video explores some phrases that could come off as a little racist when said out loud. They are regarded as comments that are made without completely thinking before you speak.
According to the movies official website, "Dear White People
" is a "Winner of the 2014 Sundance Film Festival's Special Jury Award for Breakthrough Talent, Dear White People is a sly, provocative satire of race relations in the age of Obama. Writer/director Justin Simien follows a group of African American students as they navigate campus life and racial politics at a predominantly white college in a sharp and funny feature film debut that earned him a spot on Variety's annual "10 Directors to Watch." When Dear White People screened at MOMA's prestigious New Directors/New Films, the New York Times' A.O. Scott wrote, "Seeming to draw equal measures of inspiration from Whit Stillman and Spike Lee, but with his own tart, elegant sensibility very much in control, Mr. Simien evokes familiar campus stereotypes only to smash them and rearrange the pieces."
Watch The "Racism Insurance Video"