Drivers can save by letting Big Brother ride

[UFO]

Originally Posted by Thymeclock

Who suggested there would be no way of compensating others? The negligent party would be sued. If he were self-insured he would pay the damages in full or effect a settlement. There is only a problem if he can't cover the the amount of the damages (in which case he isn't self-insured).

It's already been note in this thread that you cannot be compensated if the liable party has no resources.

Originally Posted by Thymeclock

A typical auto insurance policy for liability has protection against "uninsured drivers". If I chose not to buy insurance against "uninsured motorists" I would be out of luck - but I'd have no one but myself to blame for that.

I'm getting the impression that some here are clueless about what negligence and legal liability is. Your remark about my being "self-centered' is a poor substitute for your lack of understanding of how the law works.

The whole point of the discussion about mandatory insurance is that you do not get to choose whether to buy it or not; you can't opt out even if you can afford to cover any damages caused by your own negligence. The government (in virtually all states) forces you to pay for insurance for your own negligence, even if you are never negligent. Where does that money you are paying go? It goes toward insurance company profits and subsidizing the accidents of those who are negligent.

Your impression is wrong. You seem to think that one is responsible for only one's self, and that's why I said you were being self-centered. We are all part of society as our actions affect others around us.

Because we allow those of limited means to drive, we require mandatory insurance coverage. I'm sure if you were hit and injured to the point where you couldn't work your job anymore, you'd be right on the mandatory bandwagon. Seen it too many times.

[Thymeclock]

Originally Posted by UFO

Your impression is wrong. You seem to think that one is responsible for only one's self, and that's why I said you were being self-centered.

Under the law you are responsible for your own actions, not the actions of others. If you want to be a collectivist or a socialist (because that is the essence of the ideology you are espousing) you can believe whatever you wish. But it is a delusion in thinking you are responsible for anyone other than yourself. When any individual is told they are responsible for everyone else, that is ideological brainwashing. If that were so, then no one is responsible for themselves - simply because it is the expectation that it is always someone else's responsibility. The idea of collective responsibility is essentially that of no personal responsibility at all.

We are all part of society as our actions affect others around us.

That's platitudinous.

Because we allow those of limited means to drive, we require mandatory insurance coverage.

And the end result of it is that of the "haves" subsidizing the "have-nots", not to mention the non-negligent covering the costs of the negligent.

I'm sure if you were hit and injured to the point where you couldn't work your job anymore, you'd be right on the mandatory bandwagon. Seen it too many times.

You're "sure"? Really??? Absolutely sure??? That's amazing!!!

I haven't met too many clairvoyants who are always right. And being a clairvoyant socialist is even more distasteful to me.

[UFO]

Thyme, if you drive on the the socialist motorways with the rest of us, you MUST carry insurance. To not do so is irresponsible. End of story.

I'm sorry I have driven you to express your disgust, consider this post to you my last on the subject. Please project your ideology somewhere where it may be appreciated.

[Thymeclock]

Originally Posted by UFO

Thyme, if you drive on the the socialist motorways with the rest of us, you MUST carry insurance. To not do so is irresponsible. End of story.

No, it is not the end of the story. They are merely public highways - not "socialist motorways", as must as you would prefer them to be. And no, the option to decline auto liability insurance is not irresponsible, nor is having it a federally mandated requirement. (Thank God!)

You are an IGNORANT FOOL, as displayed by what you wrote. And that is not a personal attack; it is a statement of fact. There are two states left in America where auto liability insurance is not mandatory: Virginia and New Hampshire. Virginia extracts $500 from applicants that goes directly into state coffers as a form of taxation for the supposed, state granted privilege, but New Hampshire allows it without any reservation.

I'm sorry I have driven you to express your disgust, consider this post to you my last on the subject. Please project your ideology somewhere where it may be appreciated.

I'm glad it is your last post on the subject after having proven yourself to be as gratituously derogatory as you are ignorant. I will post as I please regardless of your disapproval, as it may educate others and dispel your spouting of misinformation and ideological drivel.

[dcb]

Originally Posted by Thymeclock

If your reading comprehension and your understanding of how liability insurance works weren't so deficient you would have understood that by now.

So you think buried somewhere in your ideological vitrol you have already answered the question? And I should comb back through every spiteful word in search of your position? You have an opportunity to explain yourself and you do not, period. You have not demonstrated how my comprehension or understanding is deficient in the slightest, just more crap from mr. "I only write nasty ideological political quips and don't care about the rules".

[gone-ot]

"...and the air between them was filled with flying globs of mud and spittle..."

[cfguy2000]

Some states do allow "self insurance". Texas being one of them. If you deposit $55,000 with the Texas state comptroller you do not have to purchase liability insurance.

Personally I do not have $55,000 just lying around, plus I do not like the idea that one bad day and the entire amount could be lost. (Imagine hitting a new Mercedes Benz) Insurance seems like a much better deal. I pay <$300 /yr for my very basic insurance policy with USAA, plus I get a partial refund at the end of the year. ($200,000 in liability coverage) I highly recommend USAA to all prior service military and their families (USAA will allow family of prior-service people to join as well).

[wadarush]

Silly silly silly...

[thomason2wheels]

I gave progressive a chance and saved only about 50 / yr. Probably as much because i didnt put enoughmiles on the wrx to give them much useful data.

[Frank Lee]

I recently dumped Flo- they said I was getting 30% off due to SnapShot but it sure didn't feel like it so I shopped around and found competitive rates elsewhere.