Why not Universal Automobile Insurance?

[Andrew1990]

Well with all of this talk about UHC, why isnt there any talk about UAI? It would allow many Americans who do not have auto insurance to be able to drive legally without fear.

The simple plan would to increase the rates of the middle aged safe drivers as then lower the price of the risky drivers under 25 years of age and the elderly.



As of now, Auto Insurance companies basically rape you on the cost of coverage. In parts of the country where mass transit is almost unheard off, you need a car in order to survive. You are basically extorted legally into paying high insurance premiums to make the insurance companies money.





Has there been any talk of something like this in the past or present?

 

[senseamp]

This is what opposition to UHC has come down to, a joke.
There is universal automobile insurance requirement in CA. You cannot drive without insurance.

 

[charrison]

Originally posted by: senseamp
This is what opposition to UHC has come down to, a joke.
There is universal automobile insurance requirement in CA. You cannot drive without insurance.

Yes but UHC is typcially government funded, requiring auto insurance and having the govt pay for is two different things.

 

[spittledip]

Decent automobile insurance is very affordable. Decent medical insurance is not. Also, health coverage is a much more important thing- it is a greater need.

 

[Andrew1990]

Originally posted by: senseamp
This is what opposition to UHC has come down to, a joke.
There is universal automobile insurance requirement in CA. You cannot drive without insurance.

I am actually not opposing UHC in this topic. I am actually for UAI.

 

[OCGuy]

My god UHC is not on the table. Where are you reading this?


The current bill being proposed would only cover 1/3 of the currently uninsured. Not 1/3 of Americans.....1/3 of the uninsured.


If I was in that other 2/3 of the uninsured, I would be pissed that the government is going to mortgage even more of our future, and im still out in the cold.

 

[senseamp]

I think we are all pissed that they are not covering everyone, and no one is planning to stop until they do.
Just emailed DNC telling them to not bother asking for my money, time or vote if they don't deliver on this.

 

[Patranus]

Originally posted by: spittledip
Decent automobile insurance is very affordable. Decent medical insurance is not. Also, health coverage is a much more important thing- it is a greater need.

That is simply not true. You may choose to put yourself in a position to not be able to afford medical insurance but everyone can afford it if they choose it over other things that they could spend money on.

 

[senseamp]

Originally posted by: Patranus

Originally posted by: spittledip
Decent automobile insurance is very affordable. Decent medical insurance is not. Also, health coverage is a much more important thing- it is a greater need.

That is simply not true. You may choose to put yourself in a position to not be able to afford medical insurance but everyone can afford it if they choose it over other things that they could spend money on.

That is simply a lie that gets repeated in thread after thread. It is simply not true that everyone can afford medical insurance. Some people have preexisting conditions that make it impossible for them to get insurance at a price they could afford even if they spent all their money on it.

 

[MovingTarget]

Don't want to pay for car insurance? Don't drive.
Don't want to pay for medical insurance? Don't live.


When it comes to medical insurance, should worst come to worst, you can't just trade in your current 'model' of yourself for a new one. Cancer isn't like needing a new transmission. Apples and oranges.

 

[sandorski]

Originally posted by: MovingTarget
Don't want to pay for car insurance? Don't drive.
Don't want to pay for medical insurance? Don't live.


When it comes to medical insurance, should worst come to worst, you can't just trade in your current 'model' of yourself for a new one. Cancer isn't like needing a new transmission. Apples and oranges.

hehe, pretty much

 

[Andrew1990]

Originally posted by: MovingTarget
Don't want to pay for car insurance? Don't drive.
Don't want to pay for medical insurance? Don't live.

You can live without medical insurance. Humans have been doing it for thousands of years. In a sense you could say the same about Car Insurance. You dont drive, you dont get a good job and starve to death.


Both auto and health insurance are commodities that I think everyone would like. Why not make both affordable?

 

[Patranus]

Originally posted by: Andrew1990
Both auto and health insurance are commodities that I think everyone would like. Why not make both affordable?

What is "affordable"?

I have seen people at the grocery store pay with food stamps and then load their groceries into Escalades.

I have been to fund raising events at a Boys & Girls club in one of California "most dangerous"/poorest cities and all of the kids have iPods/MP3 players and cell phones.

Are you telling me that these people cannot "afford" health insurance?

 

[sandorski]

Originally posted by: Andrew1990

Originally posted by: MovingTarget
Don't want to pay for car insurance? Don't drive.
Don't want to pay for medical insurance? Don't live.

You can live without medical insurance. Humans have been doing it for thousands of years. In a sense you could say the same about Car Insurance. You dont drive, you dont get a good job and starve to death.


Both auto and health insurance are commodities that I think everyone would like. Why not make both affordable?

Auto Insurance is Affordable. About the only thing that makes sense in your proposal is that it would make Auto Insurance Cheaper, but the comparison is severely flawed as Health Issues are guaranteed, while having an Auto Accident is not.

 

[her209]

Fail on so many levels.

 

[XZeroII]

Why not universal homeowners insurance? Why not universal life insurance? Why not universal employment insurance?

Why do I bother working at all when I can just get it all from the gov't?

 

[Fingolfin269]

Originally posted by: XZeroII
Why not universal homeowners insurance? Why not universal life insurance? Why not universal employment insurance?

Why do I bother working at all when I can just get it all from the gov't?

I just want to have universal lazines insurance. That way if I'm feeling lazy today and don't want to go to work it's ok because the government can pay off my employer so they don't fire me.

 

[Mean MrMustard]

Originally posted by: spittledip
Decent automobile insurance is very affordable. Decent medical insurance is not. Also, health coverage is a much more important thing- it is a greater need.

Yes, so the gov't decides what our needs are? No thanks. I decide what my own needs are and live accordingly.

 

[RyanPaulShaffer]

Originally posted by: MovingTarget
Don't want to pay for car insurance? Don't drive.
Don't want to pay for medical insurance? Don't live.


When it comes to medical insurance, should worst come to worst, you can't just trade in your current 'model' of yourself for a new one. Cancer isn't like needing a new transmission. Apples and oranges.

Sensationalize much? You can live without health insurance (how has humanity made it this far without health insurance for the vast majority of human history?!), and no hospital can refuse you for emergency care even if you have no insurance/can't afford it. It's the law.

 

[AyashiKaibutsu]

Originally posted by: Andrew1990

Originally posted by: MovingTarget
Don't want to pay for car insurance? Don't drive.
Don't want to pay for medical insurance? Don't live.

You can live without medical insurance. Humans have been doing it for thousands of years. In a sense you could say the same about Car Insurance. You dont drive, you dont get a good job and starve to death.

You can live without medical insurance just like you can drive without car insurance. Many people drive without car insurance (granted illegally); it's just irresponsible to do so (especially if your letting dependents go without health insurance).

 

[0marTheZealot]

A better analogy would be :

Don't want to pay for car insurance? Don't get into an accident.
Don't want to pay for medical insurance? Don't get sick.

 

[Thump553]

At least two decades ago I remember a newspaper article in the major city I lived in that said over 10% of the accidents involved uninsured drivers.

Howver, there is a very simple and cheap protection that responsible drivers can use, and it is criminally stupid not to. Make sure that (a) the unisured driver coverage under your policy also covers UNDERinsured drivers and (b) that the coverage limits for your un/underinsured insurance are at least equal to your regular policy limits.

That way you are buying coverage for you and your family that is equal to the coverage you are buying for the public at large (if they sue you). And its cheap, about $100 per car on my policy.

Discuss this with your insurance agent, as auto insurance is state law and varies widely from state to state. But in both states I have lived in, this option exists. Far too many people settle for the basic uninsured coverage, which is minimum policy limits and only applies to uninsured drivers.

 

[RyanPaulShaffer]

I demand universal accident protection insurance on my LCD TV! Why can't the government protect me if a power surge fries my TV?!

 

[Vic]

Or why not buy health insurance the same way we already buy auto insurance?

 

[nageov3t]

universal hookers and blow IMO