When Obama imposed mandatory health insurance payments on Americans (the accurate way to put it as your health wasn’t and can’t be insured; rather, the insurance mafia used the power of government to ensure you paid the mafia for insurance) one of the things some people liked about this was that the mafia was no longer allowed to charge people who had “pre-existing conditions” more for insurance.
The mafia just charged everyone more for health insurance – which everyone was now forced to buy, thereby collectivizing the cost of covering people who were in poor health by making those in good health pay more for the coverage they didn’t need or use but were forced to pay for anyhow.
This included maternity care coverage for divorced/single men in their 50s and “substance abuse” coverage for people who didn’t abuse substances.
It’s the same principle being applied to car insurance, which everyone who owns a car is also forced to buy. EVs – which cost more to repair and replace than other cars and have a built-in likelihood of spontaneously catching fire when parked – are kind of like pre-existing conditions except some choose to have them. These costs are being collectivized – by making everyone pay them.
But why should any of this be so?
Is it unreasonable to “ask” (as the Left likes to put it) those who impose more costs to pay more to indemnify against the costs they choose to risk imposing on others?
“Choose” is italicized to make a point of just that fact.
People can’t help getting old – and sometimes they can’t help getting sick. But no one is – yet – forced to buy an EV. It is a purchase akin to the purchase of a Corvette in that the person who chooses either is electing to buy a vehicle that is much more expensive to repair/replace when it is damaged and more apt to be damaged, too. It is why the mafia has, historically, charged Corvette owners more for the coverage they are forced to buy than Chevette owners.
The Chevette owner might have been able to afford a Corvette, but maybe he didn’t want to spend the money on the car – or the coverage. Why should he have to pay more for coverage because his neighbor chose to buy a Corvette?
Or an EV?
Arguably, insurance companies ought to be free to charge whatever they calculate to be a sum commensurate with the risk they underwrite, as this would discourage excessive risk-taking. As for example the risk of building a beachfront home in a hurricane zone. People have every right to choose to do that. It’s nice to have a house on the beach.
But they ought to accept the cost of the risk, too.
Instead, the mafia collectivizes the risk, thereby increasing everyone’s costs. Not just once, either. Collectivizing risk eggs on more risk – and more costs. It is probably why “covered” Americans are less healthy today than they were when they weren’t “covered.”
It is certainly whey we’re all paying more for the “coverage” we’re all forced to buy for our vehicles.
Ironically, this is a function of the mafia’s having succeeded in using the government to force everyone to buy coverage – in the case of car and health insurance. No doubt the same is going to happen to home insurance, which is among the few remaining forms of “coverage” you aren’t forced to buy. Yet.
Everyone must now pay the car and health insurance mafia. But the mafia must also “cover” everyone – including the people who incur the most costs because they take the most risks.
If the car insurance mafia were free to refuse to “cover” the risks of EVs, it would likely save the mafia a lot of money – just the same as it would save the health insurance mafia a lot of money if it were free to deny “coverage” to those with pre-existing conditions. Or at least, charge them commensurately.
And that would free up a lot of money for the healthy young person who didn’t have such pre-existing conditions and was unlikely to incur any costs for “health care” by dint of being healthy.
This is of course regarded as “unfair” by collectivists.
But how, exactly? The person who is healthy is not the cause of the unhealthy person’s problems. Arguably, it is unfair to make him pay for them – by making him pay more for insurance. Indeed, by making him buy insurance, at all.
Just the same, it is unfair to make people who didn’t buy an EV pay for the costs imposed by those who chose to buy an EV.
It is also something else.
Making everyone pay for the costs imposed by some hides those costs. Your EV-owning neighbor isn’t made to face the full costs of what he’s chosen to buy into – because you are helping him pay them. It works the same as guaranteeing health insurance “coverage” to those who have expensive pre-existing conditions. It’s not that their costs go down. It’s that yours go up.
Everyone’s does.
The fact that car and health insurance are now among the highest-cost things having everything to do with everyone being forced to buy them – and the mafia not being free to charge people what it actually costs to “cover” them.
It’s a devil’s bargain that we’re all paying for because some people believe there is such a thing as cost without expense . And other people are more than happy to cash in on that belief.
. . .
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Sorry, but the only auto insurance required is Liability. If you are ‘required’ to buy physical damage – comp and collision – its due to your lienholder. Otherwise, only liability.
WTF are you going on about, john844?
Are you saying, “Sorry, but the only auto insurance required is Liability.” …As if that’s A-ok? It’s OK to require liability, but not comp & collision? Is that what you’re saying?
…Or, do I misunderstand your comment?
Hi John,
And that makes a difference how, exactly? I’ve not caused any damage to anyone. Why am I “liable” for it, then? By which I mean, I am made to pay out money for damages I have not caused. This amounts to many thousands of dollars (over the years) in my case. If a person is forced (effectively) to pay $500 annually for a liability only policy yet isn’t a liability – i.e., he causes no losses – he will have been fleeced of $15,000 over 30 years. That is a lot of money for most people. I know it is for me. I could live (without needing to earn money) for a year on $15k. Instead, the mafia has the money.
Forcing people to buy insurance because they might cause damage to someone else’s property is to damage them – which strikes me as immoral. If you disagree, then you’ll have to explain why other forms of “might cause damage” ought not also to require us to buy insurance, as for owning a gun. My point is it’s a terrible precedent that will – and has – inevitably been expanded (viz, forcing people to buy health insurance).
I hope you’ll reconsider.
DeSantis just dropped out.
https://www.breitbart.com/politics/2024/01/21/ron-desantis-drops-out-presidential-race-endorses-donald-trump/
They will never allow Trump to get into office. Everybody start practicing saying “President Haley” without gagging.
Trump will end up in prison.
I think it will be “cardiac arrest.” Might as well go full fledged conspiracy.
Hopefully Trump refuses secret service protection. The kind both JFK and RFK had and that was denied RFK, Jr.
Wow, that was some link, Stufo.
“…the FIX IS IN and Trump will be imprisoned in the Washington, DC case. That is the plan. […]
We have to crash and burn. Only then will the blind finally see […]
We are approaching the last 8.6 years in this 51.6-year cycle, and they will be the darkest days of our lives.” …
Bye bye, Meatball DeShabbos: maybe you should put your own country first for a change, instead of holding cabinet meetings in Jerusalem.
I actually like DeSantis. The Cabinet meetings in Israel were goofy, but DeSantis (and Noem) were about the only two governors that pulled off the shackles during the SARS2 Plandemic.
I won’t lie Florida became my “safe space”. It was one of the few places in this country that felt normal. DeSantis also passed several bills against forced vaccinations, fired lawyers not doing their job, became an advocate for parents allowing school choice, pulled billions out of ESG derived pensions, and talked against the implementation of digital currency, etc.
Maybe DeSantis wasn’t the best campaigner, but no one can say he wasn’t a man of action. I don’t want pretty words. I want production. He did that. There is a reason that many Americans are moving to Florida and it isn’t because of their summers or the alligators.
I think the Republican Party has put themselves in a very dangerous position. Trump had a chance to drain the Swamp. He didn’t. He hired them, coddled them, and let them throw this country into a panic where saner minds should have prevailed. He gave Fauci the floor, he locked this country down, and implemented Death Speed.
I don’t believe he will make it back to office. We have put ourselves in a very precarious position that we will not be able to escape from.
I agree, RG –
Trump is now de facto the GOP nominee. That means (as I see it) either he is re-elected (somehow) or not. I do not believe he will be re-elected as the Left will not allow it. He will be removed one way or another. Then we get the real Left – and it’ll make the past three years seem like the Reagan Years. Then again, maybe – somehow – he will win and this time he’ll do what needs to be done. I am not holding my breath given his actions thus far. And because he’s no Franco. But what’s the alternative?
Nimrata Haley? Big Mike?
I understand now why so many Germans voted for you-know-who. Who else were they going to vote for?
‘Nimarata Haley? Big Mike?’ — eric
Someone went and dug up the neocon skank’s high school yearbook. The caption added by Zerohedge made me howl with laughter.
https://ibb.co/svm450S
Gotta love those black “Satan’s claws” snaking over the left shoulder of her dress. And he never let go … :-0
Davos, Trust, & The End Of “Comfortable Wolves”
Tom Luongo via Gold, Goats, ‘n Guns blog,…says….
Last fall I poked the slumbering bear of the #ungovernable set by taking extreme umbrage with calling people “Sheeple.” For the record I absolutely detest that word.
Instead I shot back with a very reflexive, “Bullshit!” There are very few things that trigger me more than consigning 90% of humanity to that of herbivores orders of magnitude more stupid than my goats.
In that frustration I coined the phrase, “comfortable wolves.” Sometimes you just have what alcoholics call “a moment of clarity.”
But at the heart of my observation is; who will you really become when you have nothing left to lose. Or better yet, where’s your loss threshold before the real you bares your canines?…the wolf is revealed….
Davos is admitting that they finally have a real threat to their Great Reset agenda. They admitted it. And most people haven’t even begun to reach their limit yet. The ‘comfortable wolves’ metaphor is even more relevant today than ever before.
This is part of the reason why I think we’re now feeling the Great Acceleration. The operational tempo has risen sharply because time is running out on Davos before more wolves get the idea that these psychopathic Alpha wannabes aren’t all that powerful.
We only think they are.
Klaus Schwab and his pack believe themselves to be the Alpha wolves of the planet. They have zero restraints on their behavior and Schwab himself has no one to tell him, “No, this is a bad idea.”
Job one is getting rid of any alpha male slaves….then the only alpha’s left will be them…the nobility slave owner alphas..like klaus schwab…..the LBGQT and karen western woman are their allies in getting rid of any alpha male slaves….
https://www.zerohedge.com/geopolitical/davos-trust-end-comfortable-wolves
The slaves are a bred race….bred for stupidity and weakness…see woke soya boys…
Apparently, all Karl Marx did was to describe the natural state of humanity: the West could only hold out against Communism in the mid-20th century but that was about it.
Hi Gil,
People will rise – or fall – according to expectations. Collectivism sells to people who’ve been reduced to a state of entitled infantilism; who’ve had their critical thinking capabilities stunted. They are easily manipulated by those who’ve helped to stunt them or who are willing – eager – to take advantage of the fact.
Supreme Court Chief “Justice” John Roberts was Obama’s useful idiot who was responsible for foisting Obama”care” on the nation. It was HIS ruling on Fee vs. Tax that sealed the deal, and our doom.
Some Collectivists are more equal than others. In Marxist California, a group of homeowners are suing to close Laguna Seca raceway due to the noise and supposed pollution the racetrack creates (OMG!). Never mind that the racetrack was there since 1957 and these (rich) collectivists liberals moved in *after* the racetrack was there.
Well…if we are all going to share the burden equally then these rich liberal Marxist need to put their fat whelp little brats on a diet pronto or face: (the gulag diet).
Ol’ zoe at it again? Same attempt to trash KHRV airport in 88, same idiot prints all over it.
Yet another Cali fem fossil. Go away ol hagg.
Car and Medical insurance are not the only out of control problems.
When they say land of the Free they didn’t mean Freeloader. Everyday thousands more Freeloaders arrive to collect at the tax trough forced upon the unrepresented over taxed citizens.
When they say Land of the Brave they didn’t mean wars begun by others. If a country wants to genocide certain groups let them cover the costs.
Most paid for by the printing of now almost a trillion dollars a year turning our money into Monopoly money. It now costs almost 3-4 times to live than it did 20-30 years ago. I remember being paid $18 per hour was good money. Now they pay $25 per hour to flip burgers or deliver packages. I remember when mowing lawns was extra money for teenagers. Now mowing lawns have to support families.
If threatening nuclear powers like Russia, China or N. Korea doesn’t kill us,,, electing nincompoops of the lowest caliber that are running for office today,,, that are destroying our money will surely do the trick.
“ . . .(it use to be) mowing lawns was extra money for teenagers. Now mowing lawns have to support families.”
Reminds me of when I was a kid growing up in a very middle-class home and the only homeowners who had a landscape gardener were the well-to-do. Us commoners could only afford to hire a neighborhood kid to mow the lawn, and only occasionally. But nearly all homeowners back then thought nothing about doing the necessary yard work to keep the house looking tidy. And they weren’t bashful about the run-of-the-mill chores either: washing the car, painting the house and fixing the washing machine — and of course one of our all-time most favorite ways to burn time — fixing that damn car.
But that was then. The vast majority of amerikan gringos today are lazier than an overpaid govt employee (that’s because most of them are). And spoiled to the core. They would probably think twice (or more) about picking up a Big Mac wrapper in their front yard. And mowing the lawn?. . .fuhgeddaboudit. In my working-class neighborhood at least a 1/3rd of them have gardeners. Upper middle-class probably 2/3rd. Wash your own car? That’s what a car wash is for. Paint the house? That’s what house painters are for. Work on the ole Tin Lizzie. . . you get the idea. I’m probably the only fool within 5 miles who washes his own car. And people look at me funny when I wax my car — whats up with that? Have times changed or is it just me? My-my.
Hi Dave,
You aren’t the only one. We have a budget line item for car washing materials and waxes in my household…I wish I was joking when I say that. My husband would never put one of his “babies” through a car wash.
I think it depends where you live. In my neighborhood we all cut our own lawns. The money is better spent on a new tractor/lawn mower than weekly landscaping bills.
Why would they bother killing us when we’re doing such a good job of bleeding ourselves to death?
All they have to do is sit back, pop some popcorn, and wait.
The big problem with nuclear power plants is the liability if something goes wrong, however unlikely. Because the US wanted plutonium for nuclear warheads the NRC approved a reactor that produced Pu over other much safer designs. They then set up a shared insurance pool and upper limit to damages paid. So the way to avoid a catastrophe was to prevent the plant from being built at all by dragging it through the courts for decades. When the need for Pu ended the nuclear power stations became white elephants -impossible to upgrade, expensive to maintain due to lack of trained operators, and nearly impossible to decommission.
If the market had been left to its own devices, evolving safe designs from the start, we might not be afraid of nuclear power. Reactors would have been built from the start to be safe (not that the US power plants are unsafe, just that safety wasn’t the primary design criteria), because the insurance market wouldn’t issue a policy. And the scale would have been much smaller, finding a “sweet spot” of profit and risk. Instead we went right from the Atomic Pile 1 experiment under the bleachers to Hanford, Oak Ridge and then massive commercial power stations. Never really learning how to walk before running marathons. The fact that they work at all is a testament to how good the designs are (and the responsibility of the operators), but imagine what might have been without the meddling.
Without state meddling, we might have colonies on Mars mining asteroids.
Proper use of robots.
US nuclear power plants do not produce plutonium.
The government runs their own reactors for that.
This article linked from Lew Rockwell neatly segues from EP’s overall point:
https://starkrealities.substack.com/p/americans-are-fighting-for-control
In the eastern block “collectivism” smelt like rotten cabbage and a drab existence but here in the glorious west it will smell like burning EV batteries and overbearing State power grabs.
I don’t know which is worse.
As for the insurance issue; I’m pretty sure they’ll go with a policy of you can’t refuse to bake a cake so that means you can’t refuse to insure an EV.
The Biden Thing also wanted to charge homeowners who have good credit MORE on any mortgages they have so people who DON’T have good credit could get a mortgage on a home.
And with insurance companies having paid out who knows how much money for death claims or medical bills just since the rollout of the “Safe and Effective COVID jabs”, people who DIDN’T get vaxxed or file a death claim will almost certainly pay MORE for any health/ life insurance THEY have.
With regard to car insurance, with all the claims that are likely to result from EV problems, the insurance mafia may eventually ask whether an automobile you own is a gas powered one or an electric, and also demand that you put a smart meter like device in the OBD port of your automobile. The Biden Thing could also demand that people who drive a gas powered vehicle pay MORE on their insurance to subsidize insurance for people who drive an EV.
If there’s anything that has become obvious the past 3 years of the Biden regime, it’s that there seems to be no limit to just how authoritarian it wants to be. People who vote for the Biden Thing again would have to be the biggest chumps ever.
The same 33 percent who consistently vote leftist will do so again. When you’re an elite leftist, the end always justifies the means. If you have to kill a few million deplorable kulaks, it’s worth it. And if you’re fighting hitler, you are completely justified in stuffing ballot boxes to get what you want. 81 million living breathing eligible voters did NOT vote for puppet dictator Joe Biden.
Most people don’t want this s#$t. They just aren’t ready to stick their neck out yet. I liked my country a lot better when we proudly killed leftists or at least threw them out of polite society. Your job and mine is to be ornery and mean and ungovernable. Ignore their rules and laugh at their puffed up enforcers. Let them know that they are illegitimate. How you do it is up to you but it needs to be done.
Grab your GD monkey wrench and your sabots and get to work.
Richard Vobes video on car insurance…
In about ten years you won’t be able to get insurance on gas or diesel powered cars….
You will only be given insurance on an EV….but it has to be connected to the internet..connected to the insurance company, police and government…..24/7 surveillance….the walls are closing in on the slaves…..
https://www.youtube.com/watch?v=RmtU3KVDQjM
Are the slaves doing anything about it? Because I see nothing except complaining. YOU do anything about it anonymous1? Or just reporting while it falls apart around you?
slaves doing anything about it?…
There was a solution a long time ago…
The German tribes attacked the Roman empire…which was run by the slave owning nobility back then…the same gang running the planet now…
The German tribes kicked their asses….
a repeat is required…the solution….
you want a solution?….join the army for the repeat….
Collectivizing health insurance risk also makes people who aren’t sexually promiscuous pay for the consequences faced by those who choose to get their freak on.
Ironically, a hail storm in North Austin back in October is teaching the Mafia the reality of the costs of covering the EVs, particularly Tesla’s.
Many owners who opted for coverage from the Mafia instead of Tesla directly is being given a choice about what to do with their hail-damaged vehicles — wait six months for certified Tesla repair to avoid voiding the warranty or accept the vehicle being totaled by Capo Flo/Gecko/General/et. al for a number which is, in many cases, less than half of the remaining loan balance.
Ack. “*are* being given a choice.
It is too early.
Rarely, if ever, would an insurance company “total” a vehicle because of a wait time on parts or repair facility availability.
That is the owner’s problem. Need a BMW fender coming directly from Germany with a 3 month backorder? Tough. Take the bus.
Total loss (varies by state, but particularly) in Texas is based on 3 figures – market value of the vehicle minus it’s estimated salvage/auction value VS. the actual repair cost.
The lowest of those two numbers decides if insurance pays for the repairs or it goes to a junkyard and the owner goes back to their preferred “Buy Here, Pay Here” lot to replace it.
It’s ironic, isn’t it? The insurance Mafia successfully got the gov’t to force us to buy their coverage now isn’t permitted to charge for risk? As a result of their successful efforts to force us to buy their product, they’re now PENALIZED by that same gov’t? HAHAHAHA!
But when the losses get great enough, they’ll be subsidized with taxpayer money. Because we’re richer than little people deserve to be and that source is endless. Isn’t it neat how that works?
In CA, it’s illegal for auto insurers to base premium on the actual vehicle. Rates can ONLY be based on 3 factors – driver’s record, experience and miles driven annually.
The now-becoming-obvious risk of thermal runaway must be shared by all!
Most of these rate problems begin with state insurance departments – CA obviously being the most absurd one there is.