It's Insurance Time!!! Yes indeed, it is time once again, to pay that mandatory extortion money to the wonderful auto insurance company! Can you tell I'm so freakin' thrilled!!? The lobbyists have made it so that not only do you HAVE to have insurance on your vehicle in order to drive on public roads and to register your vehicle. Failure to have coverage will result in fines, license revocation or suspension, and possibly even jail! You know that when I say "the Lobbyists" I mean that they have lobbied the state legislature successfully to enact these laws.
Now don't get me wrong, I'm not against the "security" that insurance gives us, to not have to pay out thousands of dollars more if we were to get into an accident or be involved in such by no fault of our own. However, what I am against is the constant increases in premiums even though I have not had a claim, let alone a violation, that should affect my rate in nearly 20 years. The only ticket that I have had since 1990 is a seat-belt violation 5 years ago. ( In the passenger seat of a van that was so beat up that I couldn't FIND the seat-belt!) The closest that I have come to a claim was denied in 1996 when my dad dropped a 5th wheel on the bedrails of my truck, and they denied me the $750 repairs. I drove the truck with those dents for 9 years! ( I did get a new set of tires out of it though since dad felt so guilty! LOL )
SO here is my proposal, Let's all get together and petition the Federal Government for a redress of this Grievance thus: make it so that after 5 years without a claim or a moving violation the insurance premium goes down by 20%. Each year for the next 5 that you remain free of violations and claims your premium will be cut by this same amount ( The amount of the original 20%, not 20% of the new premium), resulting in a $0 premium after an accident free 10 year period. Any violation or claim will reset the clock and you will once again be back to paying your full premium.
The current system sucks and barely benefits the public that it is meant to protect. Trying to get payed for a claim takes a team of lawyers, and sadly they end up with a part of your payout so your screwed at the start! You just can't win it seems that the system is set up so that the rich get richer and we little peons continue getting screwed in the ass by the corporations.
We need to Organize against the Tyranny!