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Shared risk

November 22, 2013

I am a really, really, really safe driver! It frustrates me when the state insists that I buy insurance when I know that I will never, never, never have an accident unless some idiot or deer gets......

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(33)

ToTEXASfromPA

Nov-22-13 4:18 AM

In general if a person harms or damages another or their property, they are responsible for trying to correct the situation, ie right the wrong.

Historically some people drove cars and would not compensate others if they damaged their person(s) or property. Many times it was because they were too poor and even if sued, they didn't have enough money to cover the judgement. The state determined (or was bamboozled by the insurance companies that contributed to the politicians campaigns) that it was still worth those people driving so they created mandatory insurance so those poor, high risk people were carried (paid for) by lower risk and/or people with more money.

Over a statistically longer period, it would still be cheaper for the vast majority of the affected persons to pay the damages out of their own pocket by maintaining an escrow account that they contribute into every year than have to pay insurance. Hence, some companies are large enough to meet potential obligation

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ToTEXASfromPA

Nov-22-13 4:19 AM

Cont>>

obligations and are self-insured. In the end, there are two big winners; the first is the insurance company since they are always guaranteed a minimum profit and the second is the poor risky driver.

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Capricorn1

Nov-22-13 5:06 AM

The biggest loser of this legislation will be the tax payers and the nation's exploding deficit. We now have the middle class receiving government assistance through healthcare subsidies.

"Among those receiving subsidies (which excludes those with incomes above four times the poverty line — about $46,000 for individuals or $94,000 for a family of four), the subsidies are projected to be worth an average of $5,548 per household, which would effectively discount the projected price of insurance by two-thirds, on average."

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Capricorn1

Nov-22-13 5:07 AM

That was a Wikipedia reference, sorry.

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MrShaman

Nov-22-13 5:55 AM

I am a really, really, really safe driver! It frustrates me when the state insists that I buy insurance when I know that I will never, never, never have an accident unless some idiot or deer gets in my way.

I am also the epitome of the healthy lifestyle except for that pesky nicotine habit. Therfore, I know that I only could drop dead of natural causes, heart attack, stroke, or one of the aforementioned idiot drivers. Yet, they still feel it is necessary for me to have health insurance! Why should I spend my precious, hard-earned dollars on health insurance when I know that my fellow citizens will pick up the tab..." - Jay D. Myers

*

You're suggesting OTHERS might benefit....from MY auto-insurance premium-payments?????

OUTRAGEOUS!!!!!!!!!!

That's GOTTA be a sign of THE GOVERNMENT TAKING-OVER CONTROL OF THE AUTO-INSURANCE INDUSTRY!!!!!

WHERE DO I GET MY THREE-CORNERED T-BAGGER HAT??!!!!! (Domestic tea-bags, of course.)

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eriklatranyi

Nov-22-13 6:10 AM

...and because the state managed the entire system, they can take away your permit to drive, limit it, or even confiscate your car.

I can't wait until they do that with my body!!!

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hopeforfuture

Nov-22-13 6:54 AM

Excuse me! You do not have to drive so you do not have to buy auto insurance. Today according to the law, if you live you have to buy health insurance. Maybe we should have to buy auto insurance if you have ever ridden in a car or any public transportation.

Lets all go back to horses.

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farmer

Nov-22-13 7:16 AM

After reading the first seven comments here I'm convinced I must be missing something. Was this letter writer being facetious, was this tung and cheek, or was there hidden meaning between the lines?

"I am a really, really, really safe driver! It frustrates me when the state insists that I buy insurance when I know that I will never, never, never have an accident"

I'm a safe driver too (maybe not really really really safe), but to suggest that I "KNOW" I will never never never have an accident is so absurd I can't imagine anyone reading this or the letter could think I was serious.

And the part about being super healthy, except the nicotine thing? Do you have any idea how much it is going to cost to treat this guy if and when he gets lung cancer? Few people in this world are healthy all their lives, then just drop dead.

This gentleman is so off base ( dare I say nuts), I think maybe he should stop driving today and keep his really really safe driving record

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MikeSmith

Nov-22-13 7:27 AM

"I know that I will never, never, never have an accident unless some idiot or deer gets in my way."

Not only crazy talk, but an open invitation to bring on the "Bad Karma"

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enigma

Nov-22-13 7:31 AM

Another Kool-Aid drinking moron. The auto insurance argument is among the least relevant used in this debate. The automobile insurance that is required by law is liability, it covers the other guy. For this to be a valid argument, the health insurance requirement would have to be to protect others that you may infect or injure. There is no legal requirement that you carry collision or comprehensive insurance on your car, making this argument for the ACA ring hollow to all but the dumbest of Americans.

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rick424

Nov-22-13 7:32 AM

This is a great letter. Thanks.

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eriklatranyi

Nov-22-13 7:41 AM

Liberals claim healthcare is a right.

But healthcare is a service provided by a human being.

So, liberals say that you have a right to the labor of another human being.

That is slavery.

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rmiller

Nov-22-13 7:50 AM

Gotta snicker at the satire :)

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gavinf56

Nov-22-13 7:52 AM

In car insurance, rates ate based on risk including gender. The ACA sets rates equally for everyone irregardless of risk.

Comparing one to the other, is to be less than honest.

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spike2

Nov-22-13 8:00 AM

The "state" only seizes your car if you bought the vehicle with money gained through crime. Yes, the state can take your license for periods, generally D.U.I.. Licenses can also be revoked for non-payment of child support. This is the "fault" of legislators.( I fully understand the absurdity of taking a license inhibiting the ability to go to or find work for delinquent support). I think the point of healthcare is for individuals to pay there own way or at least have some coverage in place. We pay through increased pricing to cover treatment of indigents patients. I agree the current program is not set up properly, conversely I would prefer everyone has some coverage. Slave is being used as a political buzzword same as racism on the other side. We have to get past posturing and verbiage and find solutions or the ship will sink.

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CMReeder

Nov-22-13 8:17 AM

Wonder how many think they are not a risk?

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MrShaman

Nov-22-13 9:25 AM

Welcome to the wonderful world of socialism. Y'all sat back and criticized teachers for watering down the curriculum, when it was the state that did that. They are creating a generation of non-thinkers to be easily controlled." - radioactive

*

C'mon...c'mon....education has nothing to do, with that!!

Porky Limbaugh could BARELY MANAGE 2 months of college....and, his band-o'-lemmings listen to him, VOLUNTARILY!!!!

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Fredzz

Nov-22-13 9:38 AM

Jay D. Myers

Just how young are you...!!! ???

16 ?? maybe 19 ?

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MrShaman

Nov-22-13 9:39 AM

"For this to be a valid argument, the health insurance requirement would have to be to protect others that you may infect or injure.

There is no legal requirement that you carry collision or comprehensive insurance on your car, making this argument for the ACA ring hollow to all but the dumbest of Americans." - enigma

*

By "the dumbest of Americans", are you referring-to those folks who insist (or, more-properly, FANTASIZE) we've got a race-War on our horizon?????

That'd make a fairly-good case for "others that you may infect or injure."

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MrShaman

Nov-22-13 9:43 AM

"Liberals claim healthcare is a right.

But healthcare is a service provided by a human being.

So, liberals say that you have a right to the labor of another human being.

That is slavery." - eriklatranyi

*

What a "GREAT" example o' Limbaugh-"droppings"!!!!!!

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MrShaman

Nov-22-13 9:50 AM

*

Who WOULDN'T want to ca$h-in, as an orthopedic-surgeon, in these times of X-treme sports/activities??!!!!

Wait 'til THOSE folks start closing-in on their retirement-years!!!!!!

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MrShaman

Nov-22-13 9:52 AM

"Wonder how many think they are not a risk?" - CMReeder

*

Who WOULDN'T want to ca$h-in, as an orthopedic-surgeon, in these times of X-treme sports/activities??!!!!

Wait 'til THOSE folks start closing-in on their retirement-years!!!!!!

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SpineyRogue

Nov-22-13 10:02 AM

Just think about this. My car was involved in 3 accidents in the last 4 years. One, when I was waiting at a stop sign. Two, while my car was sitting in front of my house. In all three cases, 'I', had to pay out my deduction to get my car fixed but I didn't need to pay the $4,500 I would have had to, if their insurance had not paid for the repairs. In all cases they were very, very, very good drivers un till they hit me!!

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enigma

Nov-22-13 10:08 AM

"What a "GREAT" example o' Limbaugh-"droppings"!!!!!!'-Sham

When you can't counter the point, ridicule it. That's one of the stupidest tactics I've ever seen used in an argument. I don't know if Limbaugh has ever said this or not, but it is so self evidently true that you can't refute it. Next time Sham, just try, "Oh yeah, well, you're ugly!" That one works just as well.

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SteelerFan

Nov-22-13 11:04 AM

good sarcastic letter.

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