|a discussion question about the U.S. mandatory auto insurance system...
||[May. 23rd, 2004|05:48 pm]
I'm really curious about how people feel about something. The mandatory private auto insurance system. In the U.S., that is. People outside the U.S., feel free to ignore this unless you want to learn more about this insane country that is probably planning a war against you or one of your friends right now. |
I'm particularly curious about how the conservatives and libertarians feel about it. It seems like there are numerous problems with the system as currently constituted from every imaginable political spectrum.
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So what do we do about it?
We have got to have SOME way of compensating the victims of car accidents, and nobody, except the wealthy, can afford to do so out of their pockets. So some kind of insurance is mandatory. The current system is badly broken, because it is pricing a huge number of people out of the market for insurance, despite the fact that, in order to have a functioning economy and functioning society, those people must be allowed to drive. Something must be done. I think the left and the right can agree on that. What? Cut the ambulance-chasing plaintiff's lawyers down to size? That runs the serious risk of depriving real victims of their rights, and, realistically, with the staggering cost of simple things like auto parts, probably won't make too much difference.
Personally, I'd like to see single-payer, just fund insurance through the tax system. Then have tax penalties for bad drivers. Done nationwide, there would be no need for the ludicrous kinds of discrimination (age, sex, marital status, profession, you name it, they do it) we put up with now. We could simply charge the people with tickets and accidents proportionally more, because the system would be able to survive a few initial errors, because of sheer scale. However, we can't even get single payer health insurance, like the other civilized industrialized nations, so I don't see single payer auto insurance coming any time soon.
So what's the solution? Anyone?
I'd especially like to hear from the conservatives and the libertarians here. Are you happy with the way this works? What would you do to fix it?
I think I'm going to cross-post this widely to political/debate/discussion groups...