Posted: 23 March 2010 at 1:49pm | IP Logged | 6
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You think the point of a car insurance law is to make sure the poor stay poor? I'm as critical of the "capitalist system" as the next guy (if the next guy is a marxist) but that's just ridiculous. Car insurance is about respecting the fact that if you crash into another guy and it's your fault, he shouldn't have to pay for it. Imagine if your mother had basic car insurance (which only covers other people whne you're at fault) and some guy without crashed into your mother's car and totalled it, simply by an unavoidable accident, though he is still found to be at fault. Her basic insurance wouldn't cover her car, and if he didn't have car insurance because he was dirt poor, he certainly wouldn't be able to pay her out of pocket. Would you then go "It's okay. He was dirt poor. It's excusable. So what if both he and my mom lose their jobs without their cars. He was just victimized by a corrupt system that was trying to keep us all poor." Car laws are about eliminating risks. Like it or not, uninsured drivers pose a very real financial risk to other drivers, especially drivers who are so poor they can barely afford car insurance. One bad day and they're jobless and their families homeless because people like your mom don't buy car insurance. I protect you from undue harm if I'm at fault, you protect me from undue harm if you're at fault. A basic rule of common decency, translated into a very specific law. Yes. it may be costly to buy that insurance and assume a financial responsibility that in it's limited legally required form only covers somebody else if you make a mistake. But if you can't or won't assume that responsibility, you have no business being on the road. It's about respect for the fact that driving is incredibly dangerous.
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