Collins Report

By Bruce Karlson

Individuals and companies purchase liability insurance to protect assets. Ergo, the average homeowner maintains liability insurance against the very small risk of being sued if someone is injured in his home. He keeps liability insurance on his car for the same reason. Most would have it absent any laws requiring it.

The average person or couple starting out in an apartment have no assets, and therefore do not worry about home owners liability insurance. There is nothing to attach in the event of a suit, so they do not need it. The same should be true for drivers.

The average teen or early twenties driver does not have anything to protect. He therefore is forced to pay to protect the assets of those who are already higher on the food chain. This fact is bad enough, but is dwarfed by the chain it puts around the young, particularly males. Insurance rates are very high for starting drivers and, those without indulgent parents simply cannot afford them. These same young men are expected to get jobs, which always require transportation. Society demands that they work but makes it as difficult as possible to find and keep a job.

Automobile insurance should be voluntary. That would force those with assets to insure those assets and take the burden off those who cannot afford it and do not need it. Unemployment among the young would go down as they would no longer be forced to drive illegally.

It is estimated that 20% of drivers in Florida, my home state, do not have insurance anyway. Doesn’t anyone think it odd that in a state that demands all drivers have insurance, most purchase insurance against uninsured drivers?? What further proof is needed that this law hinders more than it helps?

The next time you’re in a pizza joint or fast food emporium, ask some of the workers about car insurance and how it messes up their lives. You’ll likely get an earful.

We certainly need to hold all accountable for traffic incidents and suspend licenses as required. Those who have assets and are involved in a wreck will have their own insurance. In that, there will be no change (see: 20% above).

The State of Florida could fire several hundred persons whose job it is to harass those who do not have automobile insurance. Many more young men could have jobs and the 20% would no longer be criminals.

Insurance companies hate it, it hurts the most vulnerable, supports a bureaucracy, is ignored by one fifth of the population, and transfers money from the poor to the “unpoor.” What is there not to like about it??

The danger is real. One voice speaking the truth can change history.

Do something yourself because the Democrats won’t and the Republicans don’t have the power.

What did you do to support and defend American freedoms yesterday? What will you do today and tomorrow?

Use this site to contact your Congressional Representative:

https://writerep.house.gov/writerep/welcome.shtml

Yesterday’s Rasmussen Presidential Index had Obama at -16

This day in history May 22

1856: Congressman Preston Brooks of South Carolina beats Senator Charles Sumner with a cane in the hall of the United States Senate for a speech Sumner had made attacking Southerners who sympathized with the pro-slavery violence in Kansas (“Bleeding Kansas”).

Have you read this week’s “Betcha didn’t know this..” page? It’s loaded with interesting little “bite size” items you’re bound to enjoy.

We’d like to know your thoughts:
Please take a moment to rate this essay on a 1 to 10 scale for its relevance to your interests.

Comments on this or any other Collins Report essay can be sent to kcoachc “at” gmail.com