Why are american's required to have auto insurance to drive, but not health insurance

**J-Dogg** · 06-06-2009, 05:48 PM

I'm sure there are some flaws in the logic, no doubting that, but maybe I just feel it's a little silly that we are required to have auto insurance to drive.

In michigan, it's NO FAULT driving. If I'm driving my 2008 BMW and a crack head hits me in his 1979 Ford LTD, my insurance repairs my car, fault does not matter...no fault insurance.

Now, you do have to have Liability insurance, and to be honest, I'm not sure what that means. What are you liable for with the No Fault Driving?

Also, why is it the governments business, if you are not insured when you drive? Why are the concerned if you don't have liability insurance when you drive? Other drivers, carry the responsibility to have their own insurance.

For what most people pay for just basic driving liability insurance, they could get health insurance. Probably not the best, but something to cover anything in the instance of a bad accident, or a policy with a high deductible.

Also, why can't you have more than a 12 pack in a canoe? Drunk canoeing is suddenly dangerous to the general public? Like you are going to get wasted and start tipping over other canoes?

**Immortal Soldier** · 06-06-2009, 05:56 PM

I will tell you why....MONEY.

Companies/Government make more money when less people have health insurance.

**J-Dogg** · 06-06-2009, 06:00 PM

Originally Posted by Immortal Soldier

I will tell you why....MONEY.

Companies/Government make more money when less people have health insurance.

I think the WORSE part about America, is there are so many things that are flawed from this reason.

What's awful is everyone knows it, but nothing is done.

**Big** · 06-06-2009, 06:08 PM

I think most places require liability insurance, to protect the other driver, not you. I don't know of any states that require full coverage if there is no lein on the veicle.

**ENraged** · 06-06-2009, 06:15 PM

Correct automotive insurance protects the banks and the other people involved in the crash.
health insurance is for your person.
Could you imagine the impact on banks if insurance was not required for the dumbass's that total their brand new car they could barely afford in the first place.
loans defaulting all over the place I mean who wants to pay 20 for a crumbled up pile of tin and plastic.

**Theatrix** · 06-06-2009, 06:20 PM

The logic is that at a minimum you must have liability to protect the other driver in the event that you were negligent and caused permanent harm to them. No Fault simply means that your policy is primary as a result of an accident and their are medical bills.
I'm sure the need for liability insurance was originally conceived by the very powerful bar lobbyists on behalf of the brotherhood.
Afterall, who would pay legal fees in this country if it weren't for insurance.

***FireGuy*** · 06-06-2009, 07:03 PM

Originally Posted by J-Dogg

I'm sure there are some flaws in the logic, no doubting that, but maybe I just feel it's a little silly that we are required to have auto insurance to drive.

In michigan, it's NO FAULT driving. If I'm driving my 2008 BMW and a crack head hits me in his 1979 Ford LTD, my insurance repairs my car, fault does not matter...no fault insurance.

Now, you do have to have Liability insurance, and to be honest, I'm not sure what that means. What are you liable for with the No Fault Driving?

Also, why is it the governments business, if you are not insured when you drive? Why are the concerned if you don't have liability insurance when you drive? Other drivers, carry the responsibility to have their own insurance.

For what most people pay for just basic driving liability insurance, they could get health insurance. Probably not the best, but something to cover anything in the instance of a bad accident, or a policy with a high deductible.

Also, why can't you have more than a 12 pack in a canoe? Drunk canoeing is suddenly dangerous to the general public? Like you are going to get wasted and start tipping over other canoes?

Once you understand that you will know the answer to your question.

**gixxerboy1** · 06-06-2009, 07:27 PM

Originally Posted by J-Dogg

I'm sure there are some flaws in the logic, no doubting that, but maybe I just feel it's a little silly that we are required to have auto insurance to drive.

In michigan, it's NO FAULT driving. If I'm driving my 2008 BMW and a crack head hits me in his 1979 Ford LTD, my insurance repairs my car, fault does not matter...no fault insurance.

Now, you do have to have Liability insurance, and to be honest, I'm not sure what that means. What are you liable for with the No Fault Driving?

Also, why is it the governments business, if you are not insured when you drive? Why are the concerned if you don't have liability insurance when you drive? Other drivers, carry the responsibility to have their own insurance.

For what most people pay for just basic driving liability insurance, they could get health insurance. Probably not the best, but something to cover anything in the instance of a bad accident, or a policy with a high deductible.

Also, why can't you have more than a 12 pack in a canoe? Drunk canoeing is suddenly dangerous to the general public? Like you are going to get wasted and start tipping over other canoes?

you dont get it because you dont understand what no-fault and liability means

**beatango2008** · 06-06-2009, 08:20 PM

Originally Posted by gixxerboy1

you dont get it because you dont understand what no-fault and liability means

lol yea you need insurance bro, that is why its called INSURANCE lol
like said above, if you crash your car 20,000 dollar car that you made a 2.000 dollar down payment on, who is going to pay the other $18k?
not to mention the other persons car dammage.

**xlxBigSexyxlx** · 06-06-2009, 08:26 PM

I blame Obama

**CBGB** · 06-06-2009, 09:30 PM

Originally Posted by beatango2008

lol yea you need insurance bro, that is why its called INSURANCE lol
like said above, if you crash your car 20,000 dollar car that you made a 2.000 dollar down payment on, who is going to pay the other $18k?
not to mention the other persons car dammage.

That is why Banks require full coverage insurance. The government requires liability insurance which does not cover you. Just the other guy.

**rogue01** · 06-07-2009, 05:14 AM

You do not HAVE to have auto insurance...only if you want to drive a car. I guess the thinking is if you can afford to have a car you can afford insurance.

People can't afford health insurance but it doesn't mean they can stop living...well I guess they would with no one paying the bill.

I don't mind helping people out with some of the programs we have but it sucks that it is abused so much. I think these programs/charity should be handled more on a local level and less federal.

**ni4ni** · 06-07-2009, 07:17 AM

Why are american's required to have auto insurance to drive, but not health insurance-THATS A GOOD ?-> wait til the pres/clinton have their way...health ins is going to b a cluster fuvk

**Tigershark** · 06-07-2009, 07:48 AM

Not required to have auto insurance in New Hampshire.

**J-Dogg** · 06-07-2009, 10:09 AM

Originally Posted by Big

I think most places require liability insurance, to protect the other driver, not you. I don't know of any states that require full coverage if there is no lein on the veicle.

Well, if it was covered on your HEALTH insurance......they would be fine.

Point is, for what it cost for liability insurance, that person, or both people in a accident, could have health benefits.

Would it be better to be covered all the time for any accident or sickness? Or just if you are in a car accident?

**J-Dogg** · 06-07-2009, 10:13 AM

Originally Posted by Tigershark

Not required to have auto insurance in New Hampshire.

not 100% certain, but I believe in AU it's the same.

**collar** · 06-07-2009, 04:48 PM

in AU you must have greenslip, which is compulsary..... to drive on the road you must have that to cover you incase you get into car accident and passenger or other drivers in another car get hurt or anyone that is.