this post was submitted on 17 Oct 2023
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Insurance doesn't actually help you silly. It's just the fee you must pay to be allowed to register and drive your car. They just happen to call it insurance for some reason.
Insurance does a fantastic job of making sure that the CEOs of the insurance companies make at least millions of dollars. Maybe that's why they call it insurance?
The bulk of that is not part of the minimum legal requirement though. My bill is less than $20, but that only goes towards paying for any damage my car causes others, I won't get any payout. If you get insurance that pays to repair or replace your car, that's separate and not legally required.
so in other words, a subscription
Nah, it does work generally. I've had to use it when I got in a car accident. I still think it shouldn't be required tho
I'd be surprised if you're not kicked off Lemmy for this take. Heretic.
Health insurance (in America of course), got me thinking though. Shouldn't risk be public instead of private? We still need it, and most of the bureaucracy that goes along, but why are private firms making a profit off public risk?
OTOH, we have to balance this idea. Why should fat drunks pay the same for health and auto, and get the same coverage, as fit, sober people? I don't have the answer, but the question has to be addressed.
And if anyone objects to the comparison above, I'd bet a crisp $20 bill that you hold yourself above someone else because of your choices (and opportunities). Social media makes fun of meth heads, rednecks, stupid people, etc., without mercy. Same deal. If you're a perfectly logical Vulcan, company excluded.
Hell, I'll go under fire first!
I've been addicted to opiates several times after surgeries, broken bones, whatever. Thankfully I'm able to walk it off when the prescription runs out. Some cannot.
Started out as "bright normal" IQ, adjusted for age, I'm probably dipping below Gen Z average at 52.
Started as a city boy, now an edge-of-town, not-quite-country boy. Whatever.
What does medical insurance have to do with cars?
Main post just says "insurance". Doesn't say what kind
Same concept applies.
Auto insurance pays your medical bills if you get injured in a car accident, at least in my state.