Only if you're a driver. So you have a choice, don't you?mistermack wrote:That really is the most stupid attitude. All sorts of insurances are obligatory, and it's a good thing.Seth wrote: Quit being a fucking leech on other people's lives and labor. Buy your own health care or health care insurance or whatever you like, but fucking pay for it YOURSELF.
Don't expect me (or anyone else) to pay for it.
Take car insurance.
Every driver has to have car insurance by law.
Do you even begin to understand the nature and function of mandatory liability insurance for drivers versus actual insurance? I don't think so.If it was left up to the individual to decide, you would be surrounded by uninsured drivers.
The insurance industry is, and has always been based on the individual's analysis of his personal economic risks in the culture in which he lives. Thus, if you live in a high crime area, you may decide to insure your belongings against theft, whereas in a peaceful rural area you may choose to forego theft insurance in favor of flood or fire insurance, which may be a higher risk.
The point is that insurance is the individual insuring himself against a particular peril or perils. The individual finds a risk in his life and negotiates with the insurance company to compensate him in the event that peril affects him. What he pays is based on the nature of the peril, the value insured, and the actuarial chances that the peril will befall the client by the insurance company.
To sum up, insurance is the individual insuring himself against what might happen TO him.
Mandatory auto liability insurance is yet another giant Progressive Marxist scam that completely reverses the entire paradigm upon which insurance is based.
Mandatory liability insurance is the individual paying to insure everyone else against the peril that he may perform some wrongful act, so that everybody else is freed from having to purchase their own actual insurance against the peril of being harmed by the individual.
It's a very Marxist and MrJonno thing. It says that the individual is presumed to be inherently dangerous to everyone else and that rather than everyone else having to insure themselves against the peril of a bad driver, government artificially and wrongfully shifts the burden to every driver under the assumption that they will wrong someone else and therefore have a duty to insure everyone else against their wrongful act.
The idiocy of this should be obvious. I am only economically responsible for the actual damages I cause to others. I am legally liable for those damages and may be sued if I do someone else harm. Because I have assets I wish to protect from seizure in a lawsuit, I address that peril (my malfeasance) by buying an insurance policy that covers the economic cost of my malfeasance. The rate is based upon my record and history as an individual as assessed by the insurance company, which looks at its risk versus its profits in the long term.
Mandatory liability insurance is merely a Marxist Progressive way to reverse the burden by assuming that I will damage someone else and wrongfully proclaiming that the harmed individual is not responsible for insuring HIMSELF against perceived perils. It doesn't matter at all whether I ever have an at-fault accident or not. It doesn't matter much whether I'm a good driver or a bad driver because so long as I meet the minimum qualifications for a license, the state mandates that I must be offered liability insurance. So I have to pay to insure society against behavior that I do not engage in on the premise that I might one day do so and that others should not be burdened with paying to insure against that peril.
It's idiocy and fraud. It was concocted to benefit the insurance companies, who make billions every year off of the mandatory liability insurance racket because the vast majority of people never do anything that triggers a payout. It's a giant government-created scam.
If YOU are concerned about MY driving habits, then it's up to YOU to insure yourself against that peril, or to accept that peril as a natural risk of life and save your money.
It's exactly like saying that you are required to insure your entire community against the peril that your house will burn down and damage someone else's house.
Once you start down that illogical and irrational path, there is literally no end to what the government can decide you constitute a danger of and therefore must insure everyone else against, no matter how small that risk.
The best example of this "mission creep" is the recent demands by anti-gun supporters that gun owners be required to carry huge liability insurance policies on the premise that they are inherently dangerous to everyone else and therefore have a duty to insure everyone else against their potential wrongful conduct...even though statistically gun owners are not dangerous to others.
And once you go down that road, there's no end to it. You could be required to carry liability insurance in case you sneeze on someone and transmit a virus to them, or in case you become unemployed and need public assistance, or because you might step off the sidewalk in front of a bus and dent it.
That's now how insurance is supposed to work and it's asinine to turn it completely upside down like that.
If you are afraid that I, or someone else, will harm you in some way, then insure yourself against that peril...or don't, if you choose to take that risk or mitigate it in some other way.
You first.What a shitty world your fantasy is.
Laws are there to make life better for everybody, and they don't work if they are optional. Your fantasy world would be a nightmare, and I bet you would be one of the first to whine about it.
Try thinking it through.
Nobody said laws cannot be valid or necessary even in a Libertarian society. That's a falsehood that ignorami like to purvey because they aren't smart enough to actually understand Libertarianism.
If I have no risk exposure that I care to cover, why should I buy insurance? If I am not a risk to others, why should they buy insurance against my malfeasance? If I conduct myself properly and do no harm to others, why should I be required to insure everyone else against a non-event? If others deem that I am a risk to them, why shouldn't they be required to insure themselves against that peril?