Whatever you pay in insurance is unlikely to cover the damages won by an injured party. That money is coming out of the pockets of people who will never cause an injury.
Good drivers subsidize the assholes.
Good drivers subsidize the assholes
The same as healthy people subsidize the sick; or childless people subsidize schools anyway?
I’m okay subsiding the schools though! I don’t want to be surrounded by more idiots then I already am.
Genuine accidents do happen
In the UK you can set up a self-insurance fund. But to do it you have to set aside tens of millions of pounds in a dedicated, easily-accessible fund, and hire an expensive lawyer who knows how to do it. Probably better to just take the hit and invest the millions at that point. I don’t know. I’m not a millionaire. I’m not even a thousandaire. :P
I’ve already paid so much money. How many people am I allowed to hit now? I still haven’t hit anyone, so I feel like I’m missing out.
Not quite, you’re paying insurance to cover the costs which they might decide not to do and you don’t even get a refund for services not rendered.
So like self-insurance?
And if you don’t hit anyone, the amount you pay still goes up every year.
I get an additional discount (no claims bonus) for every year I don’t hit someone).
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