Do you think mandatory car insurance ...

Do you think mandatory car insurance is illegal?

Created by Delcia Crockett on Jan 30, 2013

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Delcia Crockett

Columbia, MO

#1 Jan 30, 2013
When yo work hard for your money and pay taxes for safew roads and law officers to help keep you safe and protected, do you think it is right for the courts to be tied up in a missed insurance payment, or a late insurance payment, when you have been taking more than $100-per-month of your hard-earned money and had to hand it over to some insurance company in a big building, so they can have a big staff and take vacations on their bonuses?

I am just wondering.

Because I have seen how few jobs there are sometimes, how hard some people have to work, and how they have to really budget and do without some things to pay their bills.

The $100 the have to give an insurance business each month is much-needed by them, as they struggle against all odds to keep a job, to get promotions and to move ahead and stay at a job long enough to get even a small raise, which the company might or might not give them, though honestly earned.

Yet, the police are the agents to collect the money and will add fines to make the burden greater, and the judges are the puppets of these lobbyists, too.

People earn that money and insurance used a strong arm to call it "financial responsibility."

Wouldn't honest responsibility be that you pay for the rest of your life to someone for an accident you cause, not for the rest of your life to help some business take away your right to go to work, if you do not hand them money every month?

Responsibility lies in the act, and in this country we are supposed to be innocent until proved guilty.

So, waht do your feel about giving your hard-earned money to someone, like flusing it down the toilet, and with nothing to show for it, once the 30 days are up?
Jim Michaelson

Columbia, MO

#2 Feb 1, 2013
Car insurance is not mandatory in the state of Missouri. Read the statute. IF YOU DRIVE, you must show FINANCIAL RESPONSIBILITY. One way - by far the most common way - to show financial responsibility is through the purchase of insurance, but there are other ways of showing financial responsibility. Read the law.
Delcia Crockett

Columbia, MO

#3 Feb 1, 2013
Just you wait until an officer pulls you over and asks for you to show your financial responsiblity. And, you see that you did not get your payment to the insurance on time.

By the way, we had car insurance before it became mandatory, and some woman ran a stop sign and hit us, and she was clearly cited as being at fault.

But our insurance went up. We asked why, as we were safe drivers, and we were told, because we were involved in an accident.

What did the insurance company expect us to do - fold up our wheels and fly our vehicle over the car that slammed into us, by running a stop sign?

When you get pulled over, or are with someone who gets pulled over, then come back and talk.

I know of too many instances where that is what the police do, is just write tickets, and even follow cars and call in on the license plate, hoping to catch someone.

Some of them had rather be doing work involving safety issues, and not writing tickets for insurance chase-downs.

As a journalist, I got to talk to a lot of people, and even talked to a judge about this problem, when enough people were complaining about it for me to become interested in some research on it.
strange

United States

#4 Mar 21, 2013
Delcia Crockett wrote:
Just you wait until an officer pulls you over and asks for you to show your financial responsiblity. And, you see that you did not get your payment to the insurance on time.

By the way, we had car insurance before it became mandatory, and some woman ran a stop sign and hit us, and she was clearly cited as being at fault.

But our insurance went up. We asked why, as we were safe drivers, and we were told, because we were involved in an accident.

What did the insurance company expect us to do - fold up our wheels and fly our vehicle over the car that slammed into us, by running a stop sign?

When you get pulled over, or are with someone who gets pulled over, then come back and talk.

I know of too many instances where that is what the police do, is just write tickets, and even follow cars and call in on the license plate, hoping to catch someone.

Some of them had rather be doing work involving safety issues, and not writing tickets for insurance chase-downs.

As a journalist, I got to talk to a lot of people, and even talked to a judge about this problem, when enough people were complaining about it for me to become interested in some research on it.
Oh DC, you're a journalist and have spoken with judges and police officers. No wonder you're anti-Ryan Ferguson. You're one of them.
I thought you were a elementary teacher or something anyways.

Since: Apr 13

Location hidden

#5 Apr 17, 2013
I do believe anyone who gets behind the wheel of a car should be sober, licensed, and have insurance. I don't think insurance companies are evil. They provide a service that I've used from time to time and my insurance has never cost me $100 a month, even for full coverage.

What exactly makes you a journalist by the way?
Delcia Crockett

Columbia, MO

#6 Apr 20, 2013
The point is that insurance makes you pay for the careless, when you are careful.

That is not financial responsibility. It is coercion of payment for a business company.

If it were responsibility, then we would be held accountable after we injured or cause car damage to anyone else. We would then make payments for the rest of our lives for a legitimate cause.

I am a teacher, a writer and a composer. Plus a church and community volunteer.

I began as a reporter in the early days of my life, and I still write journalistic pieces on occasion. Thank you for asking.

Since: Apr 13

Location hidden

#7 Apr 20, 2013
I'm not sure you understand financial responsibility. Insurance doesn't make you pay for the careless. If that was the case, my insurance would be as high as yours is. I've had no accidents, so my insurance us low. I don't want drivers without insurance on the road. If they hit me, I have to pay for it. How is that better?

I don't know if I would call myself a journalist if I were you. I played sports in high-school, but I wouldn't call myself an athlete. Rambling on the Internet about things you don't like doesn't make you a journalist any more than playing softball on the weekends makes me an athlete.

I think you're an opinionated person in search of an audience. I don't think that's a bad thing, but it's not really journalism, either.
Delcia Crockett

Columbia, MO

#8 Apr 21, 2013
Have you read any journalism piece I have written, at any time in my life?

Or, do you think Topix is the place to attract journalists. My being a reporter or editor has nothing to do with Topix.

Whne you take your premium into the insurance company, it is only good for 30 days. The inusrawnce company gets to build a big building, have a great many offices, and give great bonuses. It is a business, and you are forced to pay a premium that is worthless in 30 days.

Everyone on the road has to pay the premium. Not everyone has an accident. When you are a careful driver, then your premium pays for the ones who are not careful.

On the other hand, the person who is careless may cause great car damage, etc., but your premium and the premiums of all the other safe drivers pays the expense of the damage.

However, if you are hit by someone and you take them to court, and make them pay the court costs and for damages, then they will have to pay you the rest of their life - or until the damages are satisfied. Then they become responsible for their carelessness. And, that is financial responsiblity, not paying for something you did not do.

One time a woman slammed into us, when she ran a stop sign and our insurance went up, even though we did not cause the accident.

Since: Apr 13

Location hidden

#9 Apr 21, 2013
Oh, you write somewhere besides Topix? I didn't know that.

It sounds like you are envious of the insurance companies for their success.

If someone hits me with their car, I don't want to have to take him to court and I don't want them paying me for the rest of their lives. I want the damage repaired and I want it done quickly. That's the benefit of insurance. The last time my car was hit, I made one phone call to the other person's insurance company. My car was repaired in less than a week and it was all over.

If you don't have insurance, you might not have anything of value I could get from you that would pay for the damages. How is that fair to me? every time ive been hit, it's been someone in a car that's poorly maintained and driven by someone not paying full attention.

If you're going to drive, take financial responsibility up front so I don't have to waste my time taking you to court to get you to pay for what you did to my car. If you hit me and you don't have insurance, do you really think it would be better for me to have to file a lawsuit against you for everything you have? You've given your address on here and looking at where your house is, if you totaled my car, you would probably have to sell your house to pay for the damage. You think that's better for you and for me because you don't like the insurance companies to make a profit? All for $100 a month?
haha

United States

#10 Apr 24, 2013
Delcia Crockett wrote:
Have you read any journalism piece I have written, at any time in my life?

Or, do you think Topix is the place to attract journalists. My being a reporter or editor has nothing to do with Topix.

Whne you take your premium into the insurance company, it is only good for 30 days. The inusrawnce company gets to build a big building, have a great many offices, and give great bonuses. It is a business, and you are forced to pay a premium that is worthless in 30 days.

Everyone on the road has to pay the premium. Not everyone has an accident. When you are a careful driver, then your premium pays for the ones who are not careful.

On the other hand, the person who is careless may cause great car damage, etc., but your premium and the premiums of all the other safe drivers pays the expense of the damage.

However, if you are hit by someone and you take them to court, and make them pay the court costs and for damages, then they will have to pay you the rest of their life - or until the damages are satisfied. Then they become responsible for their carelessness. And, that is financial responsiblity, not paying for something you did not do.

One time a woman slammed into us, when she ran a stop sign and our insurance went up, even though we did not cause the accident.
So you work for the tribune orrrrr where?

Since: Apr 13

Columbia, MO

#11 Apr 28, 2013
It is not to hard to find out where I work, when I work and how many jobs I do have.

Back on topic, I think that some folks have forgotten who earns the money and whose it really is, before they go making the dumb laws that line the pockets, but take from the workers who really need it and get nothing in return for their hard-earned money.

It is just an "easy buck" to those workers who take from working families in this way.

I think that is very wrong in America and hurts us all, in the long run.

Insurance fees and taxes that are not aboslutely necessary for the good of all, are killing our working families.

Mothers are taken away from babies and small children because one income won't do it anymore.

Just because you have a lobbyist paid to be in your pocket does not make you right when it comes to feeling entitled to something that is not yours.

Since: Apr 13

Columbia, MO

#12 Apr 28, 2013
Why do lawyers represent people who sue insurance companies who try to get by without paying for damages in an automobile accident?

See, you end up in court anyway - after you have paid all those wasted premiums to the insurance company.

Since: Apr 13

Location hidden

#13 Apr 28, 2013
If someone hit your car, would you prefer that person to have insurance or not have insurance?
Delcia Crockett

Columbia, MO

#14 May 8, 2013
I had rather deal with the issue of the accident when it happens than with being forced to take a chunk of my hard-earned money to a business who is going to do nothing for me, and will give it away to bonuses, big buildings to staff in, and to those who caused an accident that had nothing to do with me.

Would you like to create a business where you had everyone where you live be forced by law to give you $100 each month, and when the month was up, you had to give them nothing in return, but the law says that they would have to bring you another $100?

Why, all those $100 add up, don't they?

Would you rather that the traffic patrol be involved with catching all the illegal drug folks and drunk drivers that cause accidents, by large, of would you like for them to make routine stops, ask for show of insurance and write tickets to support insurance lobbyists, instead?

Since: Apr 13

Location hidden

#15 May 9, 2013
You're just being silly. You don't really believe what you post, do you?

I would rather the police be involved in making my life and property safe and that includes clearing the road of uninsured motorists. If they can't afford $100 a month for insurance, I'm sure their cars aren't going to be all that safe, either.

Here's a serious question for you: If you were driving without insurance and hit my car with your car and had to pay the damaged to my car, including medical costs, would you want to lose your home to pay for the damages?

You're exactly the kind of person who would get out of paying for the damages any way you can. I had a friend who had his car hit by another man and he never did get anything for it. That's probably the kind of person you are.

You don't want to pay for the insurance and you don't have any intention of paying for the damages you do when you hit someone. That's just their tough luck, isn't it? It's because of people like you, I have to pay for coverage for an uninsured motorist so I'm not screwed over because of people like you.

What if one of those drunk drivers hits you? Do you want him to have insurance or should we all be taking our chances driving on the road with irresponsible people like you?
Delcia Crockett

Columbia, MO

#16 May 12, 2013
Columbia Police Department keeping you safe. Surely you jest.

Speak of the devil, we had car insurance before it was demanded of us by law, and Hub was collided into this past week by a woman who had no insurance or license plate on her vehicle.

Not only did my husband have insurance on our vehicle, but our vehicle is licensed by the state and checked for safe maintenance every three months for our own safety.

The woman went across a dividing line to hit my husband and she wanted to drive off, and when he did not argue with her, but said he was going to call the police, she began holleringat people she knew, pointed at my husband and was screaming at him, like she wanted to whatever.

When we were growing up, my Dad had insurance and every teenager who came to our house was asked if he/she had insurance and license, or we did not get to go with them.

Here is the thing - how did the insurance my husband is required to pay help stop the accident caused by someone else?

Money down the drain, as far as we are concerned - but adding to the big bucks of insurance corporate welfare in coerced payment.
Insurance Co Stink

Chicago, IL

#17 May 13, 2013
I totally agree that it should be deemed unconstitutional to require individuals to purchase insurance. But the insurance industry has already won the battle and there is little chance of them giving up the millions in profit that these laws have provided.
I'm sure a better system could be developed that covers accidents damage and covers liability damage from law suits. Law suit damages can be extreme at times and dollar limits should be set. Accident prone drivers should pay higher fees and drivers that are found reckless should have driving privileges limited. But it's complicated and Insurance lobbyist said hey congressmen we'll make it very simple don't bother figuring it out. The catch is your voters will just need to be required by law to buy our products. But we'll solve all the problems and keep cost down because everyone will be required to chip in.
I have not had an accident in the 20+ years I have been driving. I always drove junk cars with little dollar value. The premiums I have payed over the years would buy me a nice new 25k car today. Wish I could get that back as rebate.
I would rather be responsible to fix my car on my own dime if I get in an accident. If I feel like I want to be protected from others who might hit or injure me or my family then I will buy some insurance. If I don't buy insurance and medical bills mount or car repair bills are high then that's my fault I'm responsible to cover it. But it was my choice.

Since: Apr 13

Location hidden

#18 May 15, 2013
The insurance doesn't stop people from hitting your car. That's just dumb. They insurance covers you for when some moron jumps the curb and hits your car. That's happened to me and I've always been happy that my insurance covers it.

Now that someone hit you, are you glad you had insurance or not?

The insurance companies charge you a high premium not just for your safe driving record and the crappy cars you drive, but also for the potential damage you can cause. I've been hit by some really crappy cars in the past, one that probably wasn't worth $400, including the value of the driver.

I don't have anything against insurance companies making a profit. McDonald's makes a profit when I buy a burger. Chevron makes a profit when I buy gas. Is insurance supposed to be a commodity? I don't think it would be any better being moderated, regulate or operated by the government. They don't do a good job of running anything else.

Surely, there is a better way, but until that way is implemented, I'd prefer these people driving crappy cars with poor maintenance to have insurance if they're going to be on the same road as me. I don't think it's too much to ask for some financial responsibility if they're going to run the risk of hitting my car at a red light or parked in a parking lot.

I had one time a lady told me it was my fault when she hit my car and I was standing next to my car. That's how dumb people are.

Since: Apr 13

Columbia, MO

#19 May 24, 2013
But the point is, they do not have insurance. They are not getting license plates either.

She was not charged, and the officer did nothing to make certain that she got the lioense either.

Bloopy Joe, just for the record, I believe in insurance as a choice, and for a lawsuit if there is an accident caused that someone does not have insurance.

We had insurance long before it was mandatory.

When I was dating, a young man would not take me even for a Sunday drive without he could show my Dad a driver's license and proof of insurance.

When my brother got this first car (a Thunderbird), my Dad insisted that not only did my brother keep the payments made himself, but that he have it legally licensed and insured, and told him that if he got even one ticket for speeding or careless driving, the car would sit and he would not drive it again.

I should also add that, when I weas first married, my husband bought me a brand new car - and I let my license expire because the insurance was so high for me, and our children were small - and I stopped driving then - and let my husband take me everywhere to save us money. The government did not decide for me, and the insurance lobbyists did not decide for me. I wanted to do the4 right thing, and so I did.

A lot of people want to do the right thing. They are careful drivers, will never cause an accident, and they are trying to feed their families and the get these insurance payments that ate flushed down the toilet after every month and they need that money. They have license plates and they are legal, until the insurance people use the goverment to make this decision for them.

It should be individual choice as can afford, otherwise be careful in driving.

There are people who drive without a license plate, and the Columbia police will let them go, as they did this woman, and there are people they will pull over and fine for not having insurance.

Where I object is that our traffic officers are used by the insurance lobbyists in this way.

And, I know that all people are supposed to be equal under the law.

The woman who had no license plate knew that she should have had one, to have a car.

Having insurance did not save my husband from her carelessness nor her breaking the law. And, the police did nothing.

Since: Apr 13

Columbia, MO

#20 May 25, 2013
Oh, and I wanted to add - when I read your comment about the woman denying it was her fault that she hit your car when you were standing right there - that in Memphis, years ago, my husband was fully insured and a woman hit him. The officers checked it out, and she was fine. She was eager to get away from there. She had not insurance, and she was at fault. Not long after that, when she knew my husband had insurance, there was a summons to go to court for him and she was claiming neck injuries, etc. My husband's insurance paid her.

Another time, when our oldest two were toddlers, a woman ran into the side of us, when she ran a stop sign. My husband was driving and we were in my new car. It sent our toddlers to the emergency rooms for possible concussions (attending officer suggested). Then, when we got our next insurance statement our insurance had gone up, "because we were involved in an accident," when it wasn't even our fault.

Insurance is not, nor has it ever been about safety - it has been about bonuses and demandment of payment for something you will, most likely, never use.

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