Consider the following scenario: I
have a bad day, or simply chugged a bad combination of cheap
beer, herbal remedies and roach killer - whatever. Today I
see the local highway as the World Derby Championship
Playoffs and decide that everyone therefore needs
a good kick in the bumper. Inside of a half hour, I have
totalled 37 cars before careening into a ditch and generally
making a real mess of things. ***So now what? My
insurance company gives me a few bandages and a new car, and off
I go again to try and recover my title? - - -
BEING AS SERIOUS AS POSSIBLE, THE SIMPLE ANSWER TO THIS SCENARIO IS THAT YOU'D MORE THAN LIKELY BE IN JAIL AND FOR SURE WOULD LOSE YOUR LISCENSE AND ALL DRIVING PRIVILAGES.- - -SEEMS LIKE YOU THINK MY PROPOSAL DOESN'T HAVE ANY ACCOUNTABILITY BUILT INTO IT- - THATS NOT THE CASE AT ALL. THE LAWS WOULDN'T CHANGE AND/OR THE PENALTIES, TICKETS, ACCIDENT REPORTS, JAIL TIME, PROBATION, ETC.- - - - IN OTHER WORDS, THE RULES OF THE ROAD AND ALL TRAFFIC LAWS WOULD BE THE SAME (AND THE PENILTIES)REQARDLESS OF WHAT TYPE OF INSURANCE SYSTEM IS IN PLACE!!
What of the other 37 drivers and their cars? Their
insurance pays for them too?- - -
YES!!!
- - - -Why should they?- - -
BECAUSE PEOPLE ARE PAYING FOR IT!! Under this system - - - thats what its all about!! Everyone buys their own insurance that covers their vehicle, property in the vehicle, and passengers!!
- - - -*I'm* the ding dong who caused all the trouble in the first place...? Doesn't seem right, somehow, does it?-
SURE DONT!! AND YOU WOULD BE "RESPONSIBLE" AS FAR AS TICKETS, ETC., ARE CONCERNED. THE COPS ARE NOT GOING TO GET THERE AND SAY WELL, WE HAVE A NEW SYSTEM, SO YOU CAN GO!! - - YOUR INSURANCE COMPANY CAN AND WOULD RAISE YOUR RATES BASED ON YOUR DRIVING RECORD AND THE DEGREE OF YOUR "FAULT" - - - BUT YOUR RIGHT - - - IT WOULDN'T BE RIGHT FOR YOU TO DAMAGE 37 CARS AND YOU'D PROBABLY END UP IN JAIL!!
- - - - Here's a thought which will twist your noodle a little - What if all 37 of those suckers are insured by the same company as me? - - Who pays then?- - -
EACH DRIVERS INSURANCE POLICY!!
- - -Does the insurance company just pay themselves, or what?- - -
THEY PAY THE POLICIES!! EACH PERSON HAS A POLICY COVERING HIS VEHICLE, PROPERTY AND PASSENGERS - - - Each policy would pay what they owe to the "Body & Fender Shops", "Auto Repair Shops" etc.- - -
- - - In any event - kind of stupid, huh?- - -
NOT IF YOU CAN ACCEPT THE DIFFERENCE BETWEEN "THE COMPANY PAYING OFF ON A POLICY" - VS - "PAYING THEMSELVES".
- - - This suggests that the only time insurance companies can actually MAKE money (after gouging our freaking eyeballs out with their extortinate premiums) is when they crash into EACH OTHER. - - They can only MAKE money if the people I wipe out are insured by someone else...
NOT AT ALL. - - THEY MAKE THEIR MONEY OFF OF PREMIUMS THEY COLLECT FOR THE "POLICIES" THEY SELL!! - -SAME AS NOW!!
I'm not sure what page you read but here's a couple of links (of mine) for you to check out. Maybe you'll get a better idea of where I'm coming from!! - - - -
