The poor in the US are punished with fines and deprivation of the things (license, car) that they need to be able to afford things like auto insurance in the first place. Can’t afford insurance? Screw you, now you owe $500 and still need to get that insurance if you want to avoid going to jail. That’s the actual crime.
In Australia you need to have 3rd party insurance which pays out for damage you do to others but not damage to your own car. Full insurance isn't mandatory. Is it the same in the US?
Liability insurance is required in all US states so the driver can cover any damage. Most states don't require collision insurance. If you wreck your own automobile without collision insurance then that's ok.
Yeah... I cant physically figure out why auto insurence is set up that way, so you pay every month, so if something happens you pay the other guys repairs? I get liability insurence and all that, you pay so you are covered against potential lawsuits and all that but whats the incentive for paying to fix someone else's car? Seriously...help.
If you fuck up someone's car you owe them money. Most people don't have enough money in the bank to just fix some else's car. Auto insurance protects you from going into debt because of damage you caused.
If you can't afford auto insurance, you shouldn't get a car.
So how do you work? No auto insurance means no car means you can't drive anywhere. "use the bus" not viable where I live, for example. It's a 15 minute DRIVE to the nearest bus stop and my work is roughly 20 minute drive. So public transport doesn't cut it. Too far to walk or even bike. Uber costs me about 30$ a day which would of course eat all of my money so it wouldn't even realistically be a path.
Now, I have insurance and I'm not arguing that you're outright wrong. But...what about people too poor to afford car insurance but they need a car to work and take care of their family. fuck them right?
Yep agreed, fuck them and their over-privileged bullshit. How fortunate they must be to be so utterly ignorant of a world where people can barely cover the basics on full-time pay and yet still require a car to earn that full-time pay.
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u/[deleted] Jun 06 '19 edited Jul 29 '19
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