The Follies of Insurance
Allow me to state right now that I am a HUGE opponent of what is commonly referred to as “ObamaCare.” But then again, I already have insurance. Many individuals out there who DON’T have insurance have something similar, and it’s called a “medical card.” That means that they can go to the ER (any ER) and get treatment. Guess who pays for it… go ahead, guess. I’ll wait………. Yes, I pay for it. As does anyone else who pays taxes. Meanwhile, if I needed to go to the emergency room, I’d pay for it, and, you know, there’s a chance that my premium will go up. So now I’m paying MORE to see a doctor AND I’m paying for little Miss-Too-Broke-for-Insurance (which I can say, as I know a particular leech just like this one).
So now everyone is being forced to buy health insurance, except for some higher-up individuals who were recently added to the exempt list. AAAAAH the government is taking over our lives (GM = Government Motors).
Which brings me to the actual reason I started this column today. Car insurance. It’s “illegal” to not have car insurance. But there’s no government initiative to overhaul auto insurance to guarantee everyone has it.
Story time:
When my now-wife was a teenager, she was struck by a drunk driver (drinking and driving is illegal, strike one). This driver did not have auto insurance (that’s “illegal,” strike two). Come to find out that a few weeks after he struck the woman who would become my wife, he hit someone else (again, he was drunk, and again, he still had no insurance – strikes three and four). Oh, from the wreck that occured with my wife, her back was all sorts of screwed up. The discs in her lower spine were putting pressure on her sciatic nerve, shooting pain down her legs and random intervals. She lived with the pain until after she met me, and I finally convinced her to see a doctor. Spinal surgery… for a 22-year old. It seems crazy. Thank you Mr. Uninsured Drunk Driver. (PS – In brief legal action, I believe Mr. Uninsured Drunk Driver had to pay something like $2500-3000. You don’t want to know what that surgery cost).
I’ve had auto insurance for as long as I’ve had a drivers’ license. I’ve had accidents, I’ve had a couple tickets. And I’ve paid the price when my premium has been raised.
But if it’s illegal for drivers to not have auto insurance, shouldn’t there be some sort of database that has all the registered drivers in the state and all those that have insurance? And if you don’t have insurance, you shouldn’t be allowed to drive a car. And if you drive without one of those, and get caught, how about we not slap them on the wrist?
I don’t have all the answers. I’m not sure I have ANY answers. Just a lot of questions.
And now I’m done. I am going home and cooking dinner.
Ya’ll come back now, ya hear?


