[Home]  [Headlines]  [Latest Articles]  [Latest Comments]  [Post]  [Mail]  [Sign-in]  [Setup]  [Help]  [Register] 

Vapers seek relief ... by turning to cigarettes

Same Gov’t Who’s Now Banning Flavored E-Cigs, Approved Candy-Flavored Amphetamines for Kids

Remember the Vallejo Cop Who Tackled a Veteran for Filming Him?

Blood, Delusions, and Corruption in the American West

Will Justin Amash Run for President as a Libertarian in 2020?

Ken Burns Delves into the Hardscrabble History of Country Music

"Remain in Mexico" immigration hearings begin in tents at border

Black Race Huslter Deray Accuses White Race Grifter Shaun King of Fleecing Donors, Demand He Stop His "Fundraising" Scams

Are Comedians Finally Fighting Back Against the Far Left’s Cultural Clampdown?

Pete Buttigieg’s Association With the Abortionist Who Stockpiled Baby Corpses in His Home Is Hardly Surprising

Elizabeth Warren’s Social Security Proposal Doesn’t Go Far Enough: It’s Time For A Basic (Retirement) Income

The CIA’s Influence Over the Media: Use of the Conspiracy Theorist Slur

Pete Buttigieg Chides Gun Owners Who Have ‘Sense of Manhood’ Wrapped Up in Guns

Is Vaping Marijuana Safe? Deaths and Lung Disease Linked to E-Cigs Call That Into Question

DOJ Inspector General Has Completed FISA Abuse Probe

Ohio gamer sentenced to 15 months prison in 'swatting' case

Court: FBI Must Destroy Memos Calling Antiwar.com a Threat

Trump administration enters new phase for border wall, sets ambitious timetable after securing land

Eddie Money, ‘Two Tickets to Paradise’ singer, dead at 70

Eighth Illegal Alien Charged with Rape in Same Maryland Sanctuary County

Free (with ads) Movie "The Wrecking Crew"

Judicial Watch Sued To Get Footage of The ‘Plane’ Hitting The Pentagon On 9/11 (Video)

Webb Wilder & The Beatnecks - Baby Please Don't Go

95 Percent of Americans Believe the Media is Full of Shit

Orange County deputy accidentally shoots himself while training

9/11 Solidified the Destruction of Our Freedom

The Orange Car Guy

AGW is “Paid to Find Out Who’s in Town”

Witness: Girls as young as 11 visited Jeffrey EpsteinÂ’s island in 2018

Christine Blasey Ford's Father Privately Supported Brett Kavanaught's Confirmation

'Way Too Far To The Left': Obama’s Homeland Security Secretary Skewers Democrats On Immigration

Biden Tried to Buy Putin’s Support for Iraq War With Promise of Oil Money

Clown World: Canadian Cancer Society Claims Men Without Cervixes Can Get Cervical Cancer

Revealed: You Know How Rush Limbaugh Talks About "Seminar Callers"? Turns Out They're Real -- Employed by a Joint Clinton-DNC Effort

Don’t look now, but there’s more border wall news

Psychedelic Science Just Got a Big Boost

The Bill of Rights Turns 230, and What Do We Have to Show for It? Nothing Good

Trump Replaces Bolton with Fringe Neocon

When Booze Was Banned but Pot Was Not

The 911 Commission Report: A 571-Page Lie

More Americans Questioning Official 9/11 Story As New Evidence Contradicts Official Narrative

Gun Registration is Gun Confiscation – Updated 2019 Edition

10 Reasons Why You Should Be Questioning the ‘Official’ Story on 9/11

Supreme Court Slaps Down Rogue Ninth Circuit Judge and Gives President Trump a Huge Win On Asylum

Hijackers Surprised To Find Selves In Hell

Trump-shaped 9th Circuit hands White House major win on asylum policy

Something Strange Is Going On With All Those Retiring Texans


SHOW OF FAITH Ashura festival sees children left covered in blood as devout Muslims use knives to slice their heads open

Least Masculine Society In Human History Decides Masculinity Is A Growing Threat

Status: Not Logged In; Sign In

See other Opinions/Editorials Articles

Title: Riding Dirty Daydreams
Source: Eric Peters Autos
URL Source: https://www.ericpetersautos.com/2019/05/16/riding-dirty-daydreams/
Published: May 16, 2019
Author: Eric
Post Date: 2019-05-17 10:09:04 by Deckard
Keywords: None
Views: 127
Comments: 4

Print Friendly, PDF & Email

Lately I have been giving serious thought to “riding dirty” – without insurance. Just cancelling all of it.

The savings would be considerable – equivalent to eliminating my monthly electric bill as well as my monthly  Internet bill and a portion of my monthly food bill.

These things I need – and so I buy them, without anyone jabbing me in the back with a bayonet. I am happy to pay for these things – because I do need them. I am grateful to those who provide them.

The insurance I’m forced to buy for my vehicles? Not so happy about this. I need vehicle insurance like I need a mortgage payment on a condo in Hungary.

I have never visited Hungary.

I long ago stopped paying the home insurance mafia – which is one of the few forms of insurance extortion – let’s use honest language – one is still allowed to legally not pay, assuming one owns his home.

Not paying for this insurance has saved me – so far – at least $25,000 over the past 15 years (which kinda sorta makes up for the property tax I’m forced to pay). If the government doesn’t force me to pay for it say over the next 15 years, I will have saved a total of $50,000.

But the vehicle insurance still chafes, precisely because I am forced to buy it. This being forced to buy it being clear evidence I don’t need it. No sane person declines to buy food or clothes.

Or any other thing he does need.

I am forced to buy insurance because others believe I need it.

But why should their belief trump mine? And why should their fears trump my facts?

I’ve established – by decades of never filing a claim nor having a claim filed against me – that my “risk profile” is practically nil – regardless of my penchant for driving fast. I am either exceptionally lucky or I am an exceptionally careful/competent – and therefore, safe – driver.

Either way, the damage I have caused is nil. As in zero. Not one cent.

Yet the amount of money I am forced to pay is not nil – or even nearly.

The total annual bite for all my vehicles – including several antique motorcycles I almost never ride and the two I can’t ride for a third of the year at least due to weather (winter) and one old truck that’s worth so little at this point that the insurance I’m forced to buy for it amounts to about 15 percent per annum of its retail value – amounts to more than $1,000 per year.

I could really use that $1,000 – for my electric bill, Internet bill and so on.

The bite for the truck is especially obnoxious because the value of the truck will continue to depreciate while the cost to”cover” it will continue to appreciate.

This strikes me as a poor bargain.

An injustice, too.

A poor bargain because it’s just not worth it. Five years of truck insurance payments equals at least half the value of my truck. After ten, I’ve paid for my truck – again – but this time the payments made to the mafia rather than the guy I bought the truck from.

An injustice, because it imposes harm on people like me who haven’t caused any on the theory that they might. That is to say, on the basis of other people’s feelings –  those other people having access to guns and the legal power to impose their feelings on others.

Well, using the same logic, I might also soil my pants at any moment, too. Possibly in public, where it might cause trouble for those nearby. Should I also be forced to wear Depends – just in case?

The it-might-happen basis for imposing actual harm on people who’ve not caused any is also exceptionally dangerous in principle. The same principle could just as readily be used to force people who’ve not shot anyone to turn in their firearms – or be compelled to buy extortionate liability insurance in case they  . . . might.

Because someone else did.

A firearm, after all, is just as potentially dangerous as a motor vehicle. In theory, anyone who has access to a gun could use that gun to cause harm, either intentionally or accidentally.

If a person can legitimately be forced to buy insurance in order to legally drive a car because it is possible he might cause harm with it – then why not also to carry a gun?

Or walk a dog, for that matter?

The dog might bite someone.

Mandatory is also an injustice because it is a wealth transfer scheme, first to the insurance mafia and then to third parties for harms done to them, but not not by him.

Forcing anyone to “help” offset the cost of harms caused by others is an outrage – since he had nothing to do with causing the harm. We don’t (yet) grab people on the street and make them spend the weekend in jail because some other person punched some other person in the face.

Mandatory insurance works on this same principle.

It also negates the free market principle that being able to decline to buy it necessarily reduces the cost of buying it.

Insurance is unjustly expensive precisely because the victim cannot use the power of his economic veto to adjust the cost to a level that is reasonable. At which point, most people – me included – would not have to be forced to buy it.

I object to being forced to pay 15 percent-plus of the value of my truck every year and to paying to “cover” bikes that are literally under covers for months at a time during the course of each year and could only cause harm if they fell on someone.

But I would probably buy insurance that reflected the odds of my causing harm to someone else – and priced accordingly.

Which would be about half the price of what I am currently forced to pay.

Which of course explains why I – and millions of others – have to be forced to pay it.

(8 images)

Post Comment   Private Reply   Ignore Thread  

TopPage UpFull ThreadPage DownBottom/Latest

#1. To: Deckard (#0)

I bet he expects his doctor to have insurance. Or the airline he flies.

misterwhite  posted on  2019-05-17   11:49:27 ET  Reply   Trace   Private Reply  

#2. To: Deckard (#0)

Mandatory is also an injustice because it is a wealth transfer scheme, first to the insurance mafia and then to third parties for harms done to them, but not not by him.

Good points. "Riding Dirty" is the only option for a good chunk of the Middle Class these days. And...can someone tell us why it is that Insurance NOT mandatory for 50 million illegals??

(Btw, the sane among us know "Injustice" is now the default position of Gummint and it's "regulations" and its select "laws.")

So...The un-insured STILL get coverage. Who pays it? Yup -- THE MIDDLE CLASS.

The "Insurance" system is no longer fair (as well as being a wealth redistribution scam by the Elites.) Because it is THE MIDDLE CLASS who is forced to cover the expenses of the 50 million strong horde of Illegal Invader deadbeats -- as well as generational and neo-Welfare Queens deadbeats -- our corrupt legislators don't care if the Middle Class gets broken.

The first indication of this Insurance Premium disaster was back in 1987 when we were told insurance companies were compelled to cover exorbitant AIDS treatment. It was then and there premiums first began skyrocketing. Once Illegals were covered, it was over.

Liberator  posted on  2019-05-17   12:54:02 ET  Reply   Trace   Private Reply  

#3. To: Deckard, Pinguinite, Buckeroo (#0)

The international insurance coverage situation...Does that work out fairly and competently?

Liberator  posted on  2019-05-17   12:55:37 ET  Reply   Trace   Private Reply  

#4. To: Liberator (#3)

I have to be honest with you and all others, I don't care about insurance for anything.

buckeroo  posted on  2019-05-21   5:55:21 ET  Reply   Trace   Private Reply  

TopPage UpFull ThreadPage DownBottom/Latest

[Home]  [Headlines]  [Latest Articles]  [Latest Comments]  [Post]  [Mail]  [Sign-in]  [Setup]  [Help]  [Register] 

Please report web page problems, questions and comments to webmaster@libertysflame.com