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Old 11-01-2011, 04:53 PM   #40 (permalink)
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Quote:
Originally Posted by jamesqf View Post
So what good does it do to sue them if they don't have any assets?
Most people have some assets. Besides, if you want to buy insurance to be covered for uninsured motorists, no one is stopping you from buying it or forcing you to buy it. Indeed, as I mentioned earlier, in most states the coverage for uminsured motorists is not included in the mandatory insurance you must carry!

Your defense of mandated liability insurance is flawed in that it is intended to prevent uninsured motorists from driving. Does it? Obviously not, because they are still out there driving.

Quote:
As for the irresponsibility, sure, we all know you're Superman, and will not only never make a mistake, but will never suffer a heart attack, stroke, or some other medical problem while you're driving, will never have some part of your car fail...
You now present a semi-sarcastic angle that is far more unlikely than the way in which most accidents occur. Insurance is all about risk. Freedom is all about choice. Mandating that insurance policies be bought regardless of someone's personal responsibility or ability to pay for any damages incurred is a denial of that freedom. The bottom line is that you are forced to fund accidents that are caused by others.

I can well afford to buy insurance or be self-insured. Even in states where insurance is not mandatory, you still need to be able to pay damages. The link I posted explained that. But as usual, you either still don't understand that or else you ignore such points and bring out a 'straw man' tactic of argument.
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