Rustic
Diamond Member
- Oct 3, 2015
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- #1,441
You’re naïve, the one size fits all that is socialism/single payer... Has been proven a failure.It is a decision to own a car. If I don't own a car, I don't buy auto liability insurance.
Yes, if someone makes a DECISION to buy a car and finance it over six or eight years, yes, you have to have insurance to cover any losses. Just as you need if you finance your house.
The last car I financed was a new, 1981 Buick Century. Every car and motorcycle since then I have paid cash. Depending on how long I held the car/motorcycle, I calculated if I wanted or did not want collision, theft and comprehensive coverage. It is all personal decisions.
As you know, buying what you WANT, works.
Again, that's awesome and stuff... but it doesn't address the problem.
I'm 57. Every year, I've paid for insurnace, except before 1992, when I was under the Army's plan. So for most of those 27 years, I paid in a lot more than I took out.
The one year I didn't, when I had run up about $40,000 of medical bills in one year, I had to fight Cigna tooth and nail to get them to pay what they promised. (It's why a fair medical reform plan would involve harvesting insurance executives for transplant organs! Seems only fair.)
The ironic thing, if the Right Wing and Big insurance hadn't sabotaged Hillarycare back in the 1990's, we'd have had a solution. People who really like their employer plans could keep them, people who didn't have a plan got on HC and the companies that didn't provide insurance would pay a tax to finance it. Problem solved.
Big insurance didn't like that, and fought it tooth and nail. They did like Romney-Care .... err Obama Care, until they found out they couldn't cheat everyone who walked in the door.