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Thread: Simple question about car insurance

  1. #161

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    Quote Originally Posted by hoytmonger View Post
    All insurance produces a "moral hazard," which means people tend to behave more recklessly when the responsibility for their actions is removed. People without insurance tend to take risk more seriously.
    Holy (*)(*)(*)(*), SOMEONE GETS IT! FINALLY!!

    That was my whole point with "the state encourages more risk" etc.


  2. #162

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    Quote Originally Posted by Subdermal View Post
    You tried this before, and - like a zombie - you continue to trudge forward right through my repudiation of the comment. Let's see if you do it again.

    Arson requires a conscious criminal act. It is - by definition - illegal. There is no protected behaviour wrt to undertaking arson, therefore it is not analogous to driving, which is a protected behaviour (read: a licensed privilege).

    There is no action associated with arson that puts someone's house at risk as a result of engaging in it. The closest I could come to offering one wouldn't fit the description of arson, but I'll offer it anyway.

    If you contract a plumber or electrician to do work in your home, your home is exposed to a risk of fire as a consequence of that work. Such a fire would - necessarily - be the result of an unfortunate accident.

    Like the driver, both the plumber and electrician are required to carry insurance to protect both themselves and your property from damage.

    That better make sense to you, or you will be in serious jeopardy of being put on my ignore list.



    My rewrite of your attempt at an analogy is analogous. Yours was not.
    Forced insurance is forced insurance is forced insurance. What do you not understand about the example of where the state charges people with "Insurance X" for walking outside their own dwellings? Walking anywhere other than your property is a privilege, right? Should I be allowed to, through politics, force you to pay 100 bucks per month on "Insurance X" that way in case you bump into me on the sidewalk and I fall, perhaps onto the road onto incoming traffic, Insurance X can pay for it?

    Forced insurance is only superficially non-evil.

  3. #163

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    Quote Originally Posted by hoytmonger View Post
    All insurance produces a "moral hazard," which means people tend to behave more recklessly when the responsibility for their actions is removed. People without insurance tend to take risk more seriously.
    That's really a moot observation, as even "taking risk more seriously" doesn't remove it.
    Paul Ryan 2016. By then, even the most stupid among us would be unable to deny the need.

    The trouble with our liberal friends is not that they are ignorant, but that they know so much that isn't so. - Ronaldus Magnus Reagan

    Truth is, you could shove Obama's knowledge of small business operations and job creation up an gnats butt and it would rattle around like a marble in an empty supertanker. -- Neil Boortz

  4. #164

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    Quote Originally Posted by DeathStar View Post
    Forced insurance is forced insurance is forced insurance. What do you not understand about the example of where the state charges people with "Insurance X" for walking outside their own dwellings? Walking anywhere other than your property is a privilege, right? Should I be allowed to, through politics, force you to pay 100 bucks per month on "Insurance X" that way in case you bump into me on the sidewalk and I fall, perhaps onto the road onto incoming traffic, Insurance X can pay for it?

    Forced insurance is only superficially non-evil.
    You are not forced to buy insurance - unless Obama has his way wrt Obamacare.

    You have a choice. The choice you make determines if you choose to obligate yourself to buy insurance.

    Other than that, you keep trying the same arguments I've already defeated.
    Paul Ryan 2016. By then, even the most stupid among us would be unable to deny the need.

    The trouble with our liberal friends is not that they are ignorant, but that they know so much that isn't so. - Ronaldus Magnus Reagan

    Truth is, you could shove Obama's knowledge of small business operations and job creation up an gnats butt and it would rattle around like a marble in an empty supertanker. -- Neil Boortz

  5. #165

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    Quote Originally Posted by DeathStar View Post
    Forced insurance is forced insurance is forced insurance. ... Forced insurance is only superficially non-evil.


    Your neighbors aren't forcing you to buy car insurance, they're simply making it a requirement to use their property. Cooperating with others requires you to find away to resolve differences of opinion, if you are unable to find away to resolve those differences you should abstain from cooperative ventures (like streets).
    Henry George's theories were based on land ownership and how far a business was from a public resource like a mill or waterway. The man lived and died a decade before the model T was produced much less modern transportation and communication. Not only did Henry George never hear of the Internet, he barely lived long enough to see the electric light. Applying the theories of Henry George to modern nations is about as risky as letting the most brilliant caveman design your next airport.

  6. #166

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    Quote Originally Posted by Subdermal View Post
    You are not forced to buy insurance - unless Obama has his way wrt Obamacare.

    You have a choice. The choice you make determines if you choose to obligate yourself to buy insurance.

    Other than that, you keep trying the same arguments I've already defeated.
    uhh if I'm gonna drive anywhere then yes I'm forced to buy car insurance.

    Do you think you should also force me to buy health insurance, or since you'll yet again dodge the following question by arguing semantics, we'll call it "Insurance Y", to pay for your bodily and emotional damages, which can also easily happen in a car wreck?

  7. #167

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    Quote Originally Posted by Taxpayer View Post
    Your neighbors aren't forcing you to buy car insurance, they're simply making it a requirement to use their property. Cooperating with others requires you to find away to resolve differences of opinion, if you are unable to find away to resolve those differences you should abstain from cooperative ventures (like streets).
    yeah. I wanna be the owner of a "walking insurance" company and get rich off of that someday. I'll be sure to charge you 100 bucks a day, or whatever I want, for you to be allowed to walk or otherwise take your physical body anywhere other than your house. Just in case you bump into someone and make them trip and sprain their ankle, or break a bone, or fall into oncoming traffic and cause a crash pile-up.

  8. #168

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    Quote Originally Posted by DeathStar View Post
    yeah. I wanna be the owner of a "walking insurance" company and get rich off of that someday. I'll be sure to charge you 100 bucks a day, or whatever I want, for you to be allowed to walk or otherwise take your physical body anywhere other than your house. Just in case you bump into someone and make them trip and sprain their ankle, or break a bone, or fall into oncoming traffic and cause a crash pile-up.


    Good luck with that. When you find you can't get what you want but auto insurance still exists, you might want to consider why your neighbors would support one and not the other. Recognizing that difference could help you find your way back to the real world.
    Henry George's theories were based on land ownership and how far a business was from a public resource like a mill or waterway. The man lived and died a decade before the model T was produced much less modern transportation and communication. Not only did Henry George never hear of the Internet, he barely lived long enough to see the electric light. Applying the theories of Henry George to modern nations is about as risky as letting the most brilliant caveman design your next airport.

  9. #169

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    Quote Originally Posted by Taxpayer View Post
    Good luck with that. When you find you can't get what you want but auto insurance still exists, you might want to consider why your neighbors would support one and not the other. Recognizing that difference could help you find your way back to the real world.
    They'd accept one and not the other because one has been forced on us so long that we accept it.

    But that doesn't matter. You have NO RIGHT to limit my freedom to that extent without my consent.

  10. #170

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    filler post

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