Mandated Auto Insurance

[Jim Bow]

The damn government says that I cannot use the pavement that my hard earned taxes paid for unless I hand over my hard earned dollars to a bunch of paper pushing millionaires at an insurance company. It's unconstitutional to mandate that a citizen must buy something. My religion (FSM) is against the gamble that is insurance buying, yet I must buy insurance in order to drive to my church.

[Norman Bernstein]

The damn government says that I cannot use the pavement that my hard earned taxes paid for unless I hand over my hard earned dollars to a bunch of paper pushing millionaires at an insurance company. It's unconstitutional to mandate that a citizen must buy something. My religion (FSM) is against the gamble that is insurance buying, yet I must buy insurance in order to drive to my church.

You're right. It deprives you of your God-given right to drive without insurance, have an accident, turn someone else into a parapalegic, and not have a cent of coverage to compensate him for a life of pain and the destruction of his life.

Sorry, but America doesn't translate into 'every man for himself'.

[Tylerdurden]

Actually insurance is intended to protect yourself. Why should I pay to make you feel better about being on the road? Another progressive fraud to get people under control. Life is chaos and risk so no reason for me to pay because you want to wrap yourself in a Blankie.

Buy insurance to protect yourself. That's how it was originally configured until the corporate heads figured out how much money they would make if it was mandated. You guys are so easily fooled by three card monte.

[Nicholas Scheuer]

You could just step out in front of a car yourself and turn yourself into a paraplegic. Then the question of whether you can drive or not would be moot.

[skuthorp]

I presume you are talking about compulsory third party?

[brad9798]

DUMBEST THREAD EVER ... get insurance or do not drive, silly man-bow!

[Dan McCosh]

FWIW, auto insurance was not compulsory when I started driving. Also, the mandatory coverage does not cover the people you might injure, it covers yourself. It also does not pay for medical expenses, if you carry health insurance.

[Flying Orca]

You know what's really great? Having the local government (province) run the only auto insurer. It keeps costs down, and if they make too much money, they have to give it back to you!

It almost makes me think of something... nah, I can't remember it.

[Vince Brennan]

Fear not: His Noodly Appendages will caress and sooth your psyche...

Ramen

[brad9798]

Regardless, one SHOULD have coverage if one drives ... the law is a JOKE, and I understand this, Dan Mac. But they need to take the law even further ...

[Keith Wilson]

Jeez, is it some kind of epidemic? Nobody can recognize sarcasm! Or has political discussion in the US gotten so insane that it's impossible to parody anymore?

[brad9798]

So it is SARCASM to drive with no insurance? Really? REALLY? WOW!

[Meli]

our 3rd party PERSONAL comes with the vehicle registration paid to the state. Everyone is covered for personal injury, no fault insurance.

[John Smith]

FWIW, auto insurance was not compulsory when I started driving. Also, the mandatory coverage does not cover the people you might injure, it covers yourself. It also does not pay for medical expenses, if you carry health insurance.

Your liability covers people you might injure: they may not be in a car. Your medical PIP covers you.

I'm sure this thread is an effort to show that people are required to buy things.

Sadly, people do drive cars without insurance. These people do cause injury to people and property.

Let's take Paul's 30 year old that chooses not to have health insurance and put him on a bicycle. Let's have him run into by an uninsured motorist who has no money to speak of.

Do we treat this man's injuries, or leave him at the mercy of his church's charitiable leanings?

This is a scenario that leads me to believe all insurance should be single payer. Every citizen is covered with medical insurance, and every vehicle is insured. We wouldn't need medical on our cars. Eliminated the uninsured injured/ill and eliminating the uninsured vehicle would benefit everyone.

[John Smith]

our 3rd party PERSONAL comes with the vehicle registration paid to the state. Everyone is covered for personal injury, no fault insurance.

As someone who's been there and done that, I can tell you PIP coverage with your auto insurance company is no fun to deal with. They send you to their doctors, whom they pay, to determine if the treatment is necessary, which their doctors generally say it isn't, so you don't get it.

[Flying Orca]

Jeez, is it some kind of epidemic? Nobody can recognize sarcasm! Or has political discussion in the US gotten so insane that it's impossible to parody anymore?

Oh, I think there are those who get it.

...AND those who DON'T!!!!! *ducks*

[ucb4ume]

My Tacoma needs an oil change. I think my auto insurance should cover that! I can't believe I have to spend money out of my own pocket for regular checkups, I mean maintenance.

What if my check engine light comes on? Am I going to have to spend money to to have someone diagnose the problem? I'm entitled to have a safe car to drive... aren't I? If the government mandates that I have auto insurance, then that insurance should cover whatever is wrong with my car.

[L.W. Baxter]

My Tacoma needs an oil change. I think my auto insurance should cover that! I can't believe I have to spend money out of my own pocket for regular checkups, I mean maintenance.

What if my check engine light comes on? Am I going to have to spend money to to have someone diagnose the problem? I'm entitled to have a safe car to drive... aren't I? If the government mandates that I have auto insurance, then that insurance should cover whatever is wrong with my car.

Hey Keith, is he being sarcastic?

[Phillip Allen]

I'm still stuck on how not buying something causes para whatever

[skipper68]

My Tacoma needs an oil change. I think my auto insurance should cover that! I can't believe I have to spend money out of my own pocket for regular checkups, I mean maintenance.

LOL! try one of those "We will insure your car with 200,000 miles on it" scams... OTOH, I'm still under warranty on my '01 car with 88K on it, till 95K. They say....

[Dave Wright]

My Tacoma needs an oil change. I think my auto insurance should cover that! I can't believe I have to spend money out of my own pocket for regular checkups, I mean maintenance.

What if my check engine light comes on? Am I going to have to spend money to to have someone diagnose the problem? I'm entitled to have a safe car to drive... aren't I? If the government mandates that I have auto insurance, then that insurance should cover whatever is wrong with my car.

Just wait, in a little while you can spend 200 bucks on your TPMS.

[Waddie]

Jim Bow; The damn government says that I cannot use the pavement that my hard earned taxes paid for unless I hand over my hard earned dollars to a bunch of paper pushing millionaires at an insurance company.

Of course you can use the pavement.....you can walk, can't you? Do you know how to ride a bike? No one mandates that you own a car....

regards,
Waddie

[TomF]

Oh, I think there are those who get it.

...AND those who DON'T!!!!! *ducks*

Ducking is Healthy. One must be Careful.

[ucb4ume]

Just wait, in a little while you can spend 200 bucks on your TPMS.

TPMS? What's that... Truck PreMenstrual Syndrome?

[Dave Wright]

TPMS? What's that... Truck PreMenstrual Syndrome?

A tax on all auto owners and an insult to those of us who kept our tires properly inflated.

[Waddie]

A tax on all auto owners and an insult to those of us who kept our tires properly inflated.

The TPMS units can be very expensive, and they are easy to break if some inexperienced kid is changing the tire. The reason we have them is people running their tires under-inflated, build up heat and blow. It's an attempt to make things idiot proof. Maybe idiots shouldn't own cars. They are handy if you have a slow leak.

regards,
Waddie

[SaltyBoatr]

The damn government says that I cannot use the pavement that my hard earned taxes paid for unless I hand over my hard earned dollars to a bunch of paper pushing millionaires at an insurance company.

Check the law. Actually you have no "right" to a license to drive an automobile. Plenty of people are prohibited from a license for good reason, under-age, infirm, drunks, etc..

Though there is interesting legal precedence to a "right to the road", that predates automobiles. It hinges on the Constitutional right to petition your government, hence a right to interstate travel to go to Washington DC. Hence, the right to bicycle (or horse) is Constitutionally protected because their is not entitlement to get a license to a motor vehicle. That is the legal reason that you don't see bicycle (or horse) licensing, as that licensing would need to pass a 'strict scrutiny' test to be Constitutional.

See this article and this article for a discussion of the legal theory of a right to use the road.