[quote]Brother Chris wrote:
[quote]Otep wrote:
[quote]Brother Chris wrote:
[quote]Otep wrote:
[quote]Brother Chris wrote:
[quote]OctoberGirl wrote:
[quote]LIFTICVSMAXIMVS wrote:
[quote]OctoberGirl wrote:
Are you suggesting people should enact their own punishments or that they should be billed by whatever responding agency comes to their aid after victimization of a crime?
What is your stance on your having the option to opt out of being a citizen here if the conditions are not those that are of your conviction? Or are you here to participate and vote for change and express your opinion? In which case you are voluntarily participating in the system?
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Insurance. Under a free market of justice insurance would fill the gap. One either could be covered under their own policy or their employer’s/landlord’s policy. All property owners should have insurance, anyway.
I believe in the concept of nullification. No one should be forced to be part of an association they do not want to.[/quote]
The act of driving on a road means you are reaping the benefit of the tax system.
I don’t like the idea of insurance because too many people can’t afford to pay for their car insurance and to keep heaping costs on them is an undue expense. Having a law enforcement agency that is paid for through my taxes is something I do very much like.
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I think you are putting the cart before the horse on this one. If you look at insurance at is, it is prohibitively expensive. The reasons can mostly be pointed to the regulation on insurance. Making it more expensive. Think about this, when I had insurance in Kansas it cost me 47 dollars a month (full coverage). I lived in an area that was “above” the median economic level in America. Now tell me why in Arizona insurance is 120 a month for me? The reason, because those companies in Kansas can’t come here and compete. The insurance companies in Arizona therefore can jack their prices up and we can’t really do anything about it since starting up an insurance company is equal to have about 10-15 million dollars already in your bankroll.[/quote]
I’ll try to look up specifics later, but I’m fairly certain this is not true. Most insurance companies are incorporated in Delaware or a few other states for their generous incorporation laws. The specifics of costs and prices have to do with insurance companies not being able to pool members across state lines. As in, An insurance company must force residents in Texarkana to decide if they live Texas or Arkansas, and then price them according to that, because it cannot have a cross-state-border pool of customers.
EDIT: Let Health Insurance Cross State Lines, Some Say - The New York Times
Turns out its a licensing issue, with specific states demanding specific insurance packages to be sold in their state. So, effect is the same, method is different.[/quote]
Yeah, and stuff like states demanding that an insurance company having an office in their actual state to sell insurance.[/quote]
I can’t imagine a requirement to have an office would be that burdensome. All they would need is an address and a gentleman to pick up mail once a week. The rest could be handled digitally by their main office. And now they have an entire state opened to them. It’d be fairly easy to open up all the big states in such a manner, if that’s the only other burden. [/quote]
No, when I mean office I mean the whole shabang, like you are starting up a new business.
In Kansas you have to appeal for a license, they review it, if they approve it (which I believe cost a million for the license) then they give you a year to come up with 12 million dollars. But you have to license all your guys to sell stocks to collect the money first, and you have to create the corporation and get the paper work in the actual state.
Then after they see you have collected the amount, they then review your appeal and may or may not give you the license. They may require more money in your bankroll before sending it to the board for official review. When they send it to the review board for final decision you have to have everything in order. Everything, anything off, snip snip, go back to the back of the line. If you are given your license to have an insurance company in that state, you then have to hire people that have the license to actually sell insurance to people.
So, not necessary to just have a mailbox and an address, most states want offices, the kind the customer can come to and talk to their agent. And you have to have insurance license in the state, a bankroll, and agents with licenses to sell insurance. Which seems simple, but it’s not. Yes, big insurance companies have an easier time as they usually have the 10-25 million to fund the bankroll, and the couple million to pay for the license. However, that makes it damn tough for new people to enter the insurance business without the bankroll.[/quote]
One of the issues I have with Insurance is that each state requires different coverages for different risks. Not every state has a hurrican exposure, and not every state has an earthquake exposure. The insurance companies use statistics to come up with with premium price. They have all the back ground information to get the prices really close to breakeven. Then they add on their profit, but when the stock market and other investments are making a lot of money the insurance companies can drop their prices below breakeven because they are making money on the investments. In 2008 when the market went in the tank that investment income went negative, so they had to raise prices. The price for insurance has to be approved by the state in which said insurance is going to be sold.
I am for forcing people to have liability insurance on their car. It is part of owning a car. Might be expensive, but the insurance is not to cover you, but to cover me if you hit me.
