this post was submitted on 06 Oct 2025
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Protection racket.
Insurance has its place. How much it costs, how much they fight to help you when it comes time, those are the problems.
The fact that for-investor-profit insurance companies exist are the problems.
The fact it's run for profit AND is a mandatory requirement to having a car.
If it wasn't required the cost for those who pay in to cover uninsured accidents would be much higher. But I do agree that like many other things, if we nationalized the cost and eliminated profit we could drop the individual price. It would also help to use federal influence to provide other means than individual cars for transportation, less cars resulting in less risk on the road.
The second part is a good thing. It's how people get paid when someone damages their property (or causes physical harm)
Everybody's like: I'm a good driver I don't need insurance.
But they always forget that half the drivers on the road are below average, and your insurance covers you in the event of a hit and run.
Or even simple accidents. You can be the safest driver in the world and some things are just unavoidable
and one that is subsidized by taxpayers anyways.
absolutely this