the Driver – Not the Vehicles
insurance is a pretty hateful concept a form of prior restraint
that says, in effect, because you may cause injury you must
be insured against the possibility. Even though millions
of people go a lifetime without ever actually causing anyone any
injury, they suffer the certainty of paying, year in and year out,
fees to the insurance mafia backed by the ever-present billy
club of the state. Over 20 or 30 years, the sum lost can easily
run to $20,000 or more. Out the window and into the pockets
of the insurance mafia.
though, is this business of forcing people to purchase insurance
coverage on every vehicle they own even though (so far as
we know) a person can only drive one vehicle at a time.
it be more reasonable to insure the driver?
cars dont drive themselves yet. Until the driver gets
behind the wheel, theyre inert. If hes driving one,
he cant be driving another. Which means, he cant
cause injury or damage with the vehicles not being driven. Thus,
even the odious prior restraint argument so beloved by Clovers doesnt
in effect tax him multiple times? Why compel him to
pay for coverage that, by definition, is unnecessary?
answers itself, of course. Its because of the money to be
made by the insurance mafia.
Each car equals
Sure, the insurance
mafia will usually give you a multiple vehicle discount
but youre still paying for multiple vehicles. Which
means, youre paying a lot more than you would if you only
had to insure yourself.
particular burden on the car (and bike) hobbyist/enthusiast, who
may have three or four (or more) vehicles. Typically, only one is
the daily driver. The others go out occasionally. Some
sit for months on end as in the case of motorcycles during
the winter. Others may be temporarily inoperable while they undergo
repairs. But even so in many areas The Law, friend
of the insurance mafia says all vehicles must be registered
or else theyre subject to seizure as junkers or derelicts
by the polizei. There have even been cases of on private property,
out-of-sight, in the backyard or garage but unregistered
vehicles being threatened with seizure or actually seized
by the local thug scrum.
the rest of the article
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columnist and author of Automotive
Atrocities and Road Hogs (2011). Visit his
© 2012 Eric Peters
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