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That shit should be illegal. Insurance companies should not have that kind of power.
I for one wouldn’t want to shop at a Home Depot with employees operating tow motors and other heavy equipment while high. If a customer gets killed by falling equipment while shopping then the lawsuit would be enormous. It would make the McDonald’s hot coffee lawsuit look like chump change.
When insurance companies aren’t allowed to mandate drug tests then they’re going to charge the store premiums commensurate with the assumption that all employees are on drugs. This would make it extremely expensive to run these stores and they’d pass the costs on to employees. This would paradoxically create an incentive for only drug-test-positive (drug using) people to work there! This phenomenon is known as adverse selection.
Well, I think you should be arrested and jailed.
Just because we haven't caught you, you must be a thief.
That's how your argument sounds to me.
That is genuinely the argument insurance companies would use, and they're allowed to charge more for more risk, that's the basis of insurance.
No one's guilty, and insurance companies stent courts. If they had to do an innocent before guilty, everyone would get one free car wreck and you wouldn't pay monthly for insurance until you wrecked someone.
My stance is that insurance companies are for profit. Period.
In my mind, this negates all arguments for or against anything related to insurance.
Insurance is a racket.