Health/Car Insurance

[Tristicus]

Why is car insurance required when health insurance is not? Is it unconstitutional to require this (although it is at a state level, correct?)?

Not that I've thought much about it, but is it because you could do damage to other drivers on the road or what?

 

[rudder]

Because if you cause an accident on a public road and do damage to my car... I want to be sure you are able to pay for it. I will not be getting subsidized healthcare so you need to make sure you have insurance to pay any necessary medical bills.

Driving is a privilege, not a right.

 

[cubeless]

and another reason is to remove the burden of your healthcare costs post crash from the state, if you have no separate hci... at least that's how it is here in fl...

 

[badnewcastle]

Driving is a privilege, not a right.

Driving is a privilege not a right, if you want to drive you have to successfully pass a driving test, pay fees(taxes) and keep a descent enough driving record. You also need to purchase liability insurance if you want drive.

If you don't want to buy the insurance, then don't drive and don't take the test, don't waste your time.

 

[Genx87]

Why is car insurance required when health insurance is not? Is it unconstitutional to require this (although it is at a state level, correct?)?

Not that I've thought much about it, but is it because you could do damage to other drivers on the road or what?

Driving a car is a privilege. You dont have to buy car insurance if you dont own a car. It is also mandated on a state level. UHC can also be mandated on the state level if the state's constitution allows it. Most state constitutions I suspect would!

 

[HumblePie]

Basically, in principle, if all the states started doing this, it would be no different than the federal level. The only main differences would be different flavors of health insurance companies practices per differing state laws. In the end, pretty much what we are getting anyhow.

What I would like to see is the separation of health care and employers. I thought the integration of those two was stupid to being with and my stance still hasn't changed. It is because of unions they were forced to be together, and as such it created some nasty health insurance company monopolies in a few states. Which is where all the really bad practices came from eventually.

Make everything ala cart in my opinion. Do it like Japan and the French. Make all insurance companies able to offer health insurance like every other insurance. You like Geico? get their home, car, and health insurance for bigger discounts over all. Like Statefarm? same thing. Then mandate health insurance is non profit. Mainly because it is someone required by law. This way the companies compete over what other insurances they offer. They get more money from other insurance services which are more privileges than needs. Consumers make out and everyone is happy.

I'm all for health insurance reform and happy it's going through. I'm not so happy and a little leery about our current reform changes are, but I'm hoping it will get worked out.

 

[MJinZ]

Why is car insurance required when health insurance is not? Is it unconstitutional to require this (although it is at a state level, correct?)?

Not that I've thought much about it, but is it because you could do damage to other drivers on the road or what?

Healthcare insurance is required... Here in Massachusetts. ^_^

 

[LTC8K6]

If everyone has healthcare insurance, then will that be taken out of automobile insurance?

It shouldn't be needed anymore as part of your auto insurance, should it?

The uninsured will be paying fines as their contribution to healthcare for all, correct?

Or workmen's comp...

 

[spidey07]

You are NOT required to have car insurance. Only if you want to drive a car on public roads. Big, big difference.

 

[LTC8K6]

Why would we need those extra medical policies if we all have health insurance?

 

[cubeless]

If everyone has healthcare insurance, then will that be taken out of automobile insurance?

It shouldn't be needed anymore as part of your auto insurance, should it?

The uninsured will be paying fines as their contribution to healthcare for all, correct?

Or workmen's comp...

good question... i can't drop the medical part of my ins here in fl even though i have my own ins... and since everybody won't be getting hci just yet, i will have to bet that that will still be the case... but we may have found - to add to the equation!!! the rate for the auto med ins may drop...

 

[LTC8K6]

There's usually some medical coverage on homeowner's insurance too.

If everyone in the US is either covered, or contributing via a fine, then we should not need all those other plans and payments. No matter what happens, anyone should be covered.

If a guy trips on your driveway and breaks a leg, he's covered for everything by this HC bill, right?

If there's a car crash, everybody's covered by this HC bill, right?

Etc.

After it all kicks in, I mean.

 

[Turin39789]

You are NOT required to have car insurance. Only if you want to drive a car on public roads. Big, big difference.

You have to pass a test to have a license to drive, you have to pass a test to stay alive!

Stick a penny in the lightsocket, fail the test, win a darwin award as a consolation prize! The test is ongoing until you eventually lose. It's like pacman, it just keeps getting harder.

 

[dank69]

...
If there's a car crash, everybody's covered by this HC bill, right?

Etc.

After it all kicks in, I mean.

Property damage.

 

[Patranus]

Why is car insurance required when health insurance is not? Is it unconstitutional to require this (although it is at a state level, correct?)?

Not that I've thought much about it, but is it because you could do damage to other drivers on the road or what?

State != Federal

 

[nick1985]

State != Federal

this

 

[LTC8K6]

Property damage.

What would that have to do with anything? I'm talking about the medical coverage that's part of our auto and homowner's insurance and workmen's comp.

Why would we need it if we all have good health insurnace through this HC bill?

 

[Infohawk]

The key difference between auto and health insurance is the following: auto insurance is designed to protect others. If you crash into someone else, you should be able to pay for their medical and property damage. If you can't afford that, you shouldn't be driving. Health insurance is designed to protect you. If you get cancer, it won't directly affect anyone else.

 

[Thump553]

What would that have to do with anything? I'm talking about the medical coverage that's part of our auto and homowner's insurance and workmen's comp.

Why would we need it if we all have good health insurnace through this HC bill?

The med pay coverage in your auto and home policies has very low limits (frequently $1000). It's primary function is as a backup to pay (up to the $1000 limit) medical bills for your injured passengers and home invitees without the necessity of proving any negligence on your part. It's unnecessary if the injured person has health insurance but it's dirt cheap. On my policy it runs about $15 per car per year. Your choice whether to drop it or not, it's basically unneccessary now and almost useless. If your passengers/home inviteess can prove negligence on your part, they will recover their medical expenses under your regular policy limits.

You don't buy workers comp insurance, your employer does. You would save nothing from its elimination. Workers comp (in my state at least) provides unlimited lifetime coverage for workplace injuries and all private health insurance known to me has policy limits. I'd be reluctant to drop workers comp even if I could.

 

[Apple Of Sodom]

Car insurance: If you do not want to pay it, do not drive on public roads. And even though it is required, there is no government oversight ensuring that you have it. It is possible to own a car without insurance...just don't get caught driving it on a public road. Further, it is only required that you carry liability, not comprehensive. This means your vehicle won't be paid for, but your insurance will cover the other person.

Health insurance: it will now be required for you to have it. There will most likely be a sport on your 1040 that asks for policy holder and policy number. Audits will be done and even if you live in the backwoods as a hermit, you will be required to have health care. Therefore you can now be fined for simply living if you choose NOT to buy a product from a private company.

 

[xj0hnx]

Therefore you can now be fined for simply living if you choose NOT to buy a product from a private company.

Leave it to the loony left to want the government to force it's citizenry to have to buy a product that people couldn't afford in the first place. The thinking here is mind boggling, people can't afford to insure themselves, so get the government to force them to, for their own good of course, fucking scumbags the lot of them.

 

[MotF Bane]

Driving is a privilege, not a right. /thread

 

[HumblePie]

Leave it to the loony left to want the government to force it's citizenry to have to buy a product that people couldn't afford in the first place. The thinking here is mind boggling, people can't afford to insure themselves, so get the government to force them to, for their own good of course, fucking scumbags the lot of them.

Some people can afford schooling, but we force that. Some people can't afford postal services, but we force that. Some people can't afford roads, police, fire department, or other emergency services, but we force that. Some people can't afford a defense force that prevents terrorists from crashing planes into our buildings daily, but we force that.


Again, stupid argument when the service provided is for the betterment of all.

 

[xj0hnx]

Some people can afford schooling, but we force that. Some people can't afford postal services, but we force that. Some people can't afford roads, police, fire department, or other emergency services, but we force that. Some people can't afford a defense force that prevents terrorists from crashing planes into our buildings daily, but we force that.


Again, stupid argument when the service provided is for the betterment of all.

Yes, the loony left is happy to force people to be more and more dependent on big government. They won't rest until we are controlled cradle to grave by the nanny state, you're disgusting.

 

[LTC8K6]

The med pay coverage in your auto and home policies has very low limits (frequently $1000). It's primary function is as a backup to pay (up to the $1000 limit) medical bills for your injured passengers and home invitees without the necessity of proving any negligence on your part. It's unnecessary if the injured person has health insurance but it's dirt cheap. On my policy it runs about $15 per car per year. Your choice whether to drop it or not, it's basically unneccessary now and almost useless. If your passengers/home inviteess can prove negligence on your part, they will recover their medical expenses under your regular policy limits.

You don't buy workers comp insurance, your employer does. You would save nothing from its elimination. Workers comp (in my state at least) provides unlimited lifetime coverage for workplace injuries and all private health insurance known to me has policy limits. I'd be reluctant to drop workers comp even if I could.

I've never seen such low amounts on the medical parts of auto insurance, iirc. They are frequently 100K/person or 300K/incident, iirc.

My employer could possibly save money by the elimination of the medical coverage part of workmen's comp...

I could possibly save money by the eliminaton of any medical coverage in my homeowner's policy...

Under the new HC bill, there won't be any more caps, correct? That's one reason premiums will rise.