Quote:
Originally Posted by dcb
I may have to reconsider my position there. On the one hand if the system is so fine tuned that only the people who cause accidents pay for all the insurance ahead of time (plus salaries and bonuses) then it isn't really insurance anymore, so trying to nail down all the parameters and determine who pays more and who pays less is a bit of folly. But I don't drive very much and can understand that my chances of getting in a claim are reduced as a result, not linearly, but less.
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That's why mandatory auto liability insurance is ultimately a redistribution scheme. No matter how you look at it, you are being forced to pay for someone else's accidents - especially if you are good driver and never have any chargeable accidents. It's just another unholy alliance between government and big business, forcing you to pay for something you may not want or need.