Skip to main content

Is it just me, or do we have universal car insurance?

and do we not have a public option in it?

and is it not mandatory by the state?

and yet the birthers and deathers don't seem to notice?  And it's enforced at the point of a gun?

Seriously,  when I get stopped by a plice officer they say "License, Registration and Insurance card, Please"

and i have to have car insurance, they will give me a ticket if i don't?

and if i let it expire DMV will fine the stink out of me?

and the bank who owns my car note makes me pay it.

For Example here are Oklahoma laws

Ways to Establish Financial Responsibility
Though liability insurance is the most common protection choice among Oklahoma drivers, it is not your only option for establishing financial responsibility. You can also:

Cover yourself under the Oklahoma Assigned Risk Auto Plan.
Make a cash deposit of $75,000 with the Department of Public Safety or an authorized state financial institution.
Take out a self-insurance policy if you have 25 or more vehicles registered under your name.
Obtain a bond issued by an authorized surety company.
Oklahoma Liability Insurance Requirements for Private Passenger Vehicles
If you decide on protecting yourself with liability coverage, here are the minimum amounts you must carry:

$25,000―Injury or death of one person
$50,000―Injury or death of two or more persons
$25,000―For property damage
Remember, these are minimum requirements. You are allowed, if your budget allows, to protect yourself with additional types of coverage including towing and labor.

Before deciding on a carrier, take the time to compare quotes from a variety of insurance companies. This will better your chances of finding a policy that meets both your needs and budget. After deciding, your carrier will send you an insurance identification card which you must carry with you when behind the wheel.

and here in the assigned risk pool we have

The Oklahoma Automobile Insurance Plan was created in 1950. The Plan's purpose is to provide automobile insurance coverage to eligible private passenger and commercial risks who are unable to obtain coverage through the voluntary market. (For complete eligibility requirements, see Section 2 and Section 18 of the Plan Manual).

Any insurance agent in the state of Oklahoma that has a valid Oklahoma Property and Casualty license can write business through the OAIP.   Commissions are paid to the producing agent.

why isn't this socialism, and why arne't the deathers picketing the DMV?

Originally posted to nathguy on Wed Aug 12, 2009 at 04:23 PM PDT.


auto insurance

21%7 votes
6%2 votes
56%18 votes
15%5 votes

| 32 votes | Vote | Results

Your Email has been sent.
You must add at least one tag to this diary before publishing it.

Add keywords that describe this diary. Separate multiple keywords with commas.
Tagging tips - Search For Tags - Browse For Tags


More Tagging tips:

A tag is a way to search for this diary. If someone is searching for "Barack Obama," is this a diary they'd be trying to find?

Use a person's full name, without any title. Senator Obama may become President Obama, and Michelle Obama might run for office.

If your diary covers an election or elected official, use election tags, which are generally the state abbreviation followed by the office. CA-01 is the first district House seat. CA-Sen covers both senate races. NY-GOV covers the New York governor's race.

Tags do not compound: that is, "education reform" is a completely different tag from "education". A tag like "reform" alone is probably not meaningful.

Consider if one or more of these tags fits your diary: Civil Rights, Community, Congress, Culture, Economy, Education, Elections, Energy, Environment, Health Care, International, Labor, Law, Media, Meta, National Security, Science, Transportation, or White House. If your diary is specific to a state, consider adding the state (California, Texas, etc). Keep in mind, though, that there are many wonderful and important diaries that don't fit in any of these tags. Don't worry if yours doesn't.

You can add a private note to this diary when hotlisting it:
Are you sure you want to remove this diary from your hotlist?
Are you sure you want to remove your recommendation? You can only recommend a diary once, so you will not be able to re-recommend it afterwards.
Rescue this diary, and add a note:
Are you sure you want to remove this diary from Rescue?
Choose where to republish this diary. The diary will be added to the queue for that group. Publish it from the queue to make it appear.

You must be a member of a group to use this feature.

Add a quick update to your diary without changing the diary itself:
Are you sure you want to remove this diary?
(The diary will be removed from the site and returned to your drafts for further editing.)
(The diary will be removed.)
Are you sure you want to save these changes to the published diary?

Comment Preferences

  •  Tip Jar (6+ / 0-)

    George Bush is Living proof of the axiom "Never send a boy to do a man's job" E -2.25 S -4.10

    by nathguy on Wed Aug 12, 2009 at 04:23:36 PM PDT

  •  WTF are you talking about? (10+ / 0-)

    We don't have "Universal Car Insurance" in this country.

    We have mandatory car insurance.  It's not the same thing.  We also have a requirement that people have a driver's license and up to date registration, but you would be shocked at how many people drive with neither.

    But there's a significant portion of the driving public that has NO Automobile insurance at all.

    And like my driving instructor (former cop) once said, it's only illegal if you get caught.

    You are entitled to express your opinion. But you are NOT entitled to agreement.

    by DawnG on Wed Aug 12, 2009 at 04:25:37 PM PDT

    •  and people who don't drive (1+ / 0-)
      Recommended by:

      don't need auto insurance

      Never interrupt your enemy when he is making a mistake. ~ Naploeon Bonaparte

      by CParis on Wed Aug 12, 2009 at 04:27:59 PM PDT

      [ Parent ]

    •  ALSO... (3+ / 0-)
      Recommended by:
      gloryous1, Bluerall, providence

      ...the ability to drive a car is considered a privlage in this country, not a right.

      But a big part of the healthcare debate is that healtcare is not a privlage, it is a right.

      You really can't equate the two.

      At all.

      You are entitled to express your opinion. But you are NOT entitled to agreement.

      by DawnG on Wed Aug 12, 2009 at 04:28:08 PM PDT

      [ Parent ]

      •  Well, you could, if you consider that the (0+ / 0-)

        automobile is a potentially lethal machine, and so too is a microbe-infested human.  Problem is that we always pay more attention to things we can see, than those we don't, even though the latter tend to be more lethal.  
        That counter-acting illness and disease is a public matter hasn't gotten sufficient attention.  People who live in gated communities and lead a segregated existence probably consider themselves immune from common infections.  Oh well.

        How do you tell a predator from a protector? The predator will eat you sooner rather than later.

        by hannah on Wed Aug 12, 2009 at 04:44:58 PM PDT

        [ Parent ]

        •  if you show up in an emergency room with a (0+ / 0-)

          cumunicable disease - you'll get treated.  And vaccinations for most childhood illnesses are generally available for free through Medicaid, SChip, etc.

          The bulk of healthcare spending is NOT for prevention or treatment of contagious diseases.  It's for heart disease, cancer, diabetes, etc.

          Never interrupt your enemy when he is making a mistake. ~ Naploeon Bonaparte

          by CParis on Wed Aug 12, 2009 at 06:18:40 PM PDT

          [ Parent ]

    •  no (0+ / 0-)

      if you don't keep up the insurance the state pops your tags.

      and we have a public option it's called the high risk pool

      George Bush is Living proof of the axiom "Never send a boy to do a man's job" E -2.25 S -4.10

      by nathguy on Wed Aug 12, 2009 at 07:58:14 PM PDT

      [ Parent ]

  •  Car insurance is to protect your victims (2+ / 0-)
    Recommended by:
    TerribleTom, gloryous1

    Health insurance is to protect yourself.

  •  Owning a car is optional. You can (1+ / 0-)
    Recommended by:
    Alice in Florida

    survive without it.  It may take some creativity, but it certainly can be done.

    You cannot survive without your body.  Medical insurance is a different matter entirely.

    To say my fate is not tied to your fate is like saying, "Your end of the boat is sinking."--Hugh Downs

    by Dar Nirron on Wed Aug 12, 2009 at 04:28:48 PM PDT

  •  Insurance is only required (4+ / 0-)
    Recommended by:
    wozzle, greendem, gloryous1, washunate

    if you own a car and drive it. Not comparable.

    Relax - the adults are in charge now.

    by NWTerriD on Wed Aug 12, 2009 at 04:29:11 PM PDT

  •  I don't have car insurance (1+ / 0-)
    Recommended by:

    Don't own a car.

    But everyone owns a body and everyone deserves health care.

    "Be yourself; everyone else is already taken." - Oscar Wilde

    by greendem on Wed Aug 12, 2009 at 04:33:25 PM PDT

  •  Car insurance is simple and cheap (3+ / 0-)
    Recommended by:
    wozzle, nathguy, Dar Nirron

    compared to medical insurance. My auto insurance premium for the whole year is less than one month's health insurance premium.

    "All governments lie, but disaster lies in wait for countries whose officials smoke the same hashish they give out." --I.F. Stone

    by Alice in Florida on Wed Aug 12, 2009 at 04:34:29 PM PDT

  •  auto insurance is an interesting comparison (1+ / 0-)
    Recommended by:

    First, we don't have universal auto insurance. Tens of millions of Americans don't even have drivers' licenses or cars, let alone insurance.

    Second, this helps illustrate what we value. Do we value owning a car, or do we value affordable transportation? Providing taxpayer funded auto insurance to every American would help make car ownership cheaper. But if the goal is overall access to transportation, those dollars would be better spent elsewhere, like on bus routes, subway systems, and regional rail networks.

    With healthcare, the similarity is that what we value isn't the insurance itself; it's the access to care. But healthcare delivery is a different market from transportation. In healthcare, it makes the most sense to provide universal insurance because the thing being insured, access to healthcare, is something that we want all Americans to have. In healthcare, the primary inefficiency is the provision of insurance itself; the economies of scale and scope by having one taxing entity, and thus one billing entity, are enormous.

    So to sum up, we don't have universal auto insurance, and that's a good thing. We don't have universal health insurance, and that's a bad thing.

  •  Miraculously, Tweetie said this too (1+ / 0-)
    Recommended by:

    Tweetie came out with this idea the other night when he was ridiculing one of the non-thinking Rethugs.

  •  what idiotic thought is this (0+ / 0-)

    car insurance is optional and so is driving but everyone needs health care.  I am not sure where this person lives but CERTAINLY here people drive and are not insured.

    •  most states require insurance. (0+ / 0-)

      i've lived in Illinois, Oklahoma, new york, maryland, DC, virginia,
      Califoria, and CT and they all required insurance.

      George Bush is Living proof of the axiom "Never send a boy to do a man's job" E -2.25 S -4.10

      by nathguy on Wed Aug 12, 2009 at 07:48:34 PM PDT

      [ Parent ]

  •  But you see they WANT universal health insurance. (0+ / 0-)

    Nothing would make the insurance industry happier than to have a form of universal health insurance where you, your employer, and ultimately the taxpayer are asked to pay for annual health insurance premiums.

    The whole debate now is whether we get to have any say in the exorbitant overhead of the insurance industry.  They want the premiums and the taxpayers to pick up the expense of treatment.

    I suspect we may end up with a national insurance plan where everyone is required to have insurance but the insurance companies get to jettison most cases of expensive treatment into an expanded version of Medicare.  Everyone has ersatz health care and rich people will be asked to pay more taxes to save the larger and more expensive version of Medicare.

    •  in general i agree (0+ / 0-)

      but its odd the droolers freak out about health care but don't mind
      being ordered by the police to have insurance.

      George Bush is Living proof of the axiom "Never send a boy to do a man's job" E -2.25 S -4.10

      by nathguy on Wed Aug 12, 2009 at 07:49:34 PM PDT

      [ Parent ]

  •  Interesting Fact: 60% of car insurance cost is (1+ / 0-)
    Recommended by:

    to cover medical bills of various kinds.  (At least, that's the case for my State Farm policy).

    If we had universal, single-payer health insurance, that additional cost would go away.

  •  We actually have nearly universal (0+ / 0-)

    auto insurance. New Hampshire does not require automobile insurance. Live free or die, baby. We also don't require wearing seatbelts, costing us millions in transportation funding.

    When I perceive the fight to be rigged, I don't wanna grow up. The Ramones

    by tgrshark13 on Wed Aug 12, 2009 at 06:02:48 PM PDT

Subscribe or Donate to support Daily Kos.

Click here for the mobile view of the site