“If costs rise and the number of uninsured motorists rise, damage and injury costs left behind by those lacking coverage will work back into the rates everyone else pays,”
See…this is where the bullsh*t comes in. Any insurance is a risk, both for the insured and the insurer. A person could literally pay premiums their entire life and never file a claim. I realize that probably never really happens, but I’m sure the number of people who pay for years and years and never actually use their auto insurance, or might file one claim, is probably pretty high in comparison to those who are repeat offenders. So, no doubt, the insurance companies are making money hand over fist. So…when an driver actually costs the company money, they certainly shouldn’t be passing those costs on to other drivers who have good driving records. Sorry…the company should just absorb those costs. After all…is that not why we PAY premiums…just so we can USE our insurance when the need arises…?!?! This nonsense of making everyone else pay extra just to give high-risk drivers insurance is complete BS. For one…where is my incentive to want to be a safe driver if I’m just going to be penalized for someone else’s mistakes?! Second…the idea of providing insurance to someone who has proven they shouldn’t have the privilege to drive, at the FORCED expense of others, is absurd. “I know you’re going to continue to break the law if I take away your driving privileges, so instead of holding you accountable…we’ll just make others pay so you can continue enjoying those privileges.” Yeah…sounds like some real sound judgement…
I think its fine time to start investigating this “clean risk pool”… sounds like it needs some draining.
“If costs rise and the number of uninsured motorists rise, damage and injury costs left behind by those lacking coverage will work back into the rates everyone else pays,”
See…this is where the bullsh*t comes in. Any insurance is a risk, both for the insured and the insurer. A person could literally pay premiums their entire life and never file a claim. I realize that probably never really happens, but I’m sure the number of people who pay for years and years and never actually use their auto insurance, or might file one claim, is probably pretty high in comparison to those who are repeat offenders. So, no doubt, the insurance companies are making money hand over fist. So…when an driver actually costs the company money, they certainly shouldn’t be passing those costs on to other drivers who have good driving records. Sorry…the company should just absorb those costs. After all…is that not why we PAY premiums…just so we can USE our insurance when the need arises…?!?! This nonsense of making everyone else pay extra just to give high-risk drivers insurance is complete BS. For one…where is my incentive to want to be a safe driver if I’m just going to be penalized for someone else’s mistakes?! Second…the idea of providing insurance to someone who has proven they shouldn’t have the privilege to drive, at the FORCED expense of others, is absurd. “I know you’re going to continue to break the law if I take away your driving privileges, so instead of holding you accountable…we’ll just make others pay so you can continue enjoying those privileges.” Yeah…sounds like some real sound judgement…