wrote in message
...
On Sat, 10 Apr 2010 20:18:47 -0400, bpuharic wrote:

What insurance does is create a target rich environment for lawyers.
Between the two of them you are right, it is a huge drag on the
economy. We would actually be better off without any insurance at all
but then people would have to plan for their own futures and their own
problems,

actually no. the number of successful malpractice lawsuits is very
low.

Cite that.
It really doesn't matter anyway. The defendant still gets stuck with a
huge legal bill that shows up in his bills to everyone else.
If they want to fix torts, make them "loser pays" so the plaintiff has
some skin in the game.


and as to no insurance, what 3rd world country do you live in where
doctors earn minimum wage?

I am old enough to remember when we didn't have medical insurance and
I didn't remember people dying in the street.
The doctor lived on the same street you did and he would actually come
to your house when you were sick.

Another difference was, nobody thought about suing the doctor when
things didn't turn out the way they hoped.



There was medical insurance when you were a kid. But it was major medical.
Did not pay for every sniffle visit.

wrote in message
...
On Sat, 10 Apr 2010 20:56:51 -0400, hk
wrote:

What insurance does is create a target rich environment for lawyers.
Between the two of them you are right, it is a huge drag on the
economy. We would actually be better off without any insurance at all
but then people would have to plan for their own futures and their own
problems,



Health insurance should be a commodity product similar in a number of
aspects to car insurance.

That is the GOP "across state lines" plan isn't it?
Car insurance is a lawyer scam too. They are on TV every day
soliciting people to suddenly discover a sore neck or other ailment
that will result in a quick, lucrative settlement.
The classic ad on TV here is the one that says "call a lawyer before
you call your insurance company" and we wonder why car insurance is
over $1000 a year in some places

Probably 40% of the drivers on the road are uninsured. Most do not need
inusrance. They get in a crash. If it is their fault, and you are insured
your uninsured coverage pays. Other guy walks as he has no assets. You hit
the other guy and his lawyer gets him a million bucks of your insurance and
assets. Cure the uninsured motorist problem in 5 minutes. Pass laws that
say you can sue for as much insurance as you carry. No insurance, your car
is totaled, tough ****. I would require the person at fault to pay direct
medical costs. No pain and suffereing, no lost wages, no damages. You
would see insurance cost decrease dramatically.

On 4/10/10 11:48 PM, wrote:
On Sat, 10 Apr 2010 20:56:51 -0400,
wrote:

What insurance does is create a target rich environment for lawyers.
Between the two of them you are right, it is a huge drag on the
economy. We would actually be better off without any insurance at all
but then people would have to plan for their own futures and their own
problems,



Health insurance should be a commodity product similar in a number of
aspects to car insurance.

That is the GOP "across state lines" plan isn't it?
Car insurance is a lawyer scam too. They are on TV every day
soliciting people to suddenly discover a sore neck or other ailment
that will result in a quick, lucrative settlement.
The classic ad on TV here is the one that says "call a lawyer before
you call your insurance company" and we wonder why car insurance is
over $1000 a year in some places


1. No.

2. No.

--
http://tinyurl.com/ykxp2ym

hk wrote:
On 4/10/10 11:48 PM, wrote:
On Sat, 10 Apr 2010 20:56:51 -0400,
wrote:

What insurance does is create a target rich environment for lawyers.
Between the two of them you are right, it is a huge drag on the
economy. We would actually be better off without any insurance at all
but then people would have to plan for their own futures and their own
problems,



Health insurance should be a commodity product similar in a number of
aspects to car insurance.

That is the GOP "across state lines" plan isn't it?
Car insurance is a lawyer scam too. They are on TV every day
soliciting people to suddenly discover a sore neck or other ailment
that will result in a quick, lucrative settlement.
The classic ad on TV here is the one that says "call a lawyer before
you call your insurance company" and we wonder why car insurance is
over $1000 a year in some places


1. No.

2. No.

I like your new posting style.

On 4/11/10 11:30 AM, wrote:
On Sun, 11 Apr 2010 09:13:03 -0400, anon-e-moose
wrote:

hk wrote:
On 4/10/10 11:48 PM, wrote:
On Sat, 10 Apr 2010 20:56:51 -0400,
wrote:

What insurance does is create a target rich environment for lawyers.
Between the two of them you are right, it is a huge drag on the
economy. We would actually be better off without any insurance at all
but then people would have to plan for their own futures and their own
problems,



Health insurance should be a commodity product similar in a number of
aspects to car insurance.

That is the GOP "across state lines" plan isn't it?
Car insurance is a lawyer scam too. They are on TV every day
soliciting people to suddenly discover a sore neck or other ailment
that will result in a quick, lucrative settlement.
The classic ad on TV here is the one that says "call a lawyer before
you call your insurance company" and we wonder why car insurance is
over $1000 a year in some places


1. No.

2. No.

I like your new posting style.


I want to know where I can get car insurance that is less than $1000 a
year. Harry seems to know. Or is that another "no"

;-)


For one car, with clean record drivers middle-aged or over? I believe
you can do that right here in semi-rural Maryland.


--
http://tinyurl.com/ykxp2ym

On 11/04/2010 1:20 AM, Bill McKee wrote:
wrote in message
...
On Sat, 10 Apr 2010 20:56:51 -0400,
wrote:

What insurance does is create a target rich environment for lawyers.
Between the two of them you are right, it is a huge drag on the
economy. We would actually be better off without any insurance at all
but then people would have to plan for their own futures and their own
problems,



Health insurance should be a commodity product similar in a number of
aspects to car insurance.

That is the GOP "across state lines" plan isn't it?
Car insurance is a lawyer scam too. They are on TV every day
soliciting people to suddenly discover a sore neck or other ailment
that will result in a quick, lucrative settlement.
The classic ad on TV here is the one that says "call a lawyer before
you call your insurance company" and we wonder why car insurance is
over $1000 a year in some places

Probably 40% of the drivers on the road are uninsured. Most do not need
inusrance. They get in a crash. If it is their fault, and you are insured
your uninsured coverage pays. Other guy walks as he has no assets. You hit
the other guy and his lawyer gets him a million bucks of your insurance and
assets. Cure the uninsured motorist problem in 5 minutes. Pass laws that
say you can sue for as much insurance as you carry. No insurance, your car
is totaled, tough ****. I would require the person at fault to pay direct
medical costs. No pain and suffereing, no lost wages, no damages. You
would see insurance cost decrease dramatically.

Why not require insurance? Seriously? If your caught without it say
$1000 fine and lose the vehicle. Double the fine for each occurance and
jail if not paid.

Would be good to say if an uninsured was hit by an insured, the insured
does not have to pay for the uninsured. Makes sense, good social
engineering.

In Canada we have maximum settlements much lower than the US and don't
see it in the rates. I personally have no problem in suing a person
into the poor house if they DWI in a red light and kill someone. The
real problem is with juries making feel good judgements, that is they
feel sorry for the injured and figure they need money. The wrong way to
make the judgement.

Like our propeller case in another thread. In no way is the manufacture
liable for a idiot boater backing up on a swimmer. Nor a swimmer
entering the water with a motor a running. Stupid case shouldn't even
be heard.

--
The Liberal way, take no responsibility.

On 4/11/10 12:11 PM, wrote:
On Sun, 11 Apr 2010 11:40:09 -0400,
wrote:

On 4/11/10 11:30 AM, wrote:
On Sun, 11 Apr 2010 09:13:03 -0400, anon-e-moose
wrote:

hk wrote:
On 4/10/10 11:48 PM, wrote:
On Sat, 10 Apr 2010 20:56:51 -0400,
wrote:

What insurance does is create a target rich environment for lawyers.
Between the two of them you are right, it is a huge drag on the
economy. We would actually be better off without any insurance at all
but then people would have to plan for their own futures and their own
problems,



Health insurance should be a commodity product similar in a number of
aspects to car insurance.

That is the GOP "across state lines" plan isn't it?
Car insurance is a lawyer scam too. They are on TV every day
soliciting people to suddenly discover a sore neck or other ailment
that will result in a quick, lucrative settlement.
The classic ad on TV here is the one that says "call a lawyer before
you call your insurance company" and we wonder why car insurance is
over $1000 a year in some places


1. No.

2. No.

I like your new posting style.


I want to know where I can get car insurance that is less than $1000 a
year. Harry seems to know. Or is that another "no"

;-)


For one car, with clean record drivers middle-aged or over? I believe
you can do that right here in semi-rural Maryland.

You can't do it is semi-rural Florida if you want decent coverage
(more than the legal minimum).


When we moved to the Jax area, I was astonished by the high rates for
auto and homeowner's insurance. They were twice what we were paying up
north. I attributed the high auto rates to the crappy drivers and the
hundreds of cars we saw without license plates, and the high homeowners'
to the plethora of hurricanes.

--
http://tinyurl.com/ykxp2ym

wrote in message
...
On Sun, 11 Apr 2010 00:15:12 -0700, "Bill McKee"
wrote:


wrote in message
. ..
On Sat, 10 Apr 2010 20:18:47 -0400, bpuharic wrote:

What insurance does is create a target rich environment for lawyers.
Between the two of them you are right, it is a huge drag on the
economy. We would actually be better off without any insurance at all
but then people would have to plan for their own futures and their own
problems,

actually no. the number of successful malpractice lawsuits is very
low.

Cite that.
It really doesn't matter anyway. The defendant still gets stuck with a
huge legal bill that shows up in his bills to everyone else.
If they want to fix torts, make them "loser pays" so the plaintiff has
some skin in the game.


and as to no insurance, what 3rd world country do you live in where
doctors earn minimum wage?

I am old enough to remember when we didn't have medical insurance and
I didn't remember people dying in the street.
The doctor lived on the same street you did and he would actually come
to your house when you were sick.

Another difference was, nobody thought about suing the doctor when
things didn't turn out the way they hoped.



There was medical insurance when you were a kid. But it was major
medical.
Did not pay for every sniffle visit.



I guess you don't understand how old I am.

I am 67. But mom was a nurse, so maybe they had insurance via the hospital.

wrote in message
...
On Sun, 11 Apr 2010 09:49:43 -0600, Canuck57
wrote:

Why not require insurance? Seriously?

Every state does
http://personalinsure.about.com/cs/v...utominimum.htm

Most do not really have enough to deal with what the lawyers would
like but you have to have something.
BTW they have allowed lawyers to recover more from an insurance
company than the policy covers.

And so you fine the uninsured. They have no money to pay the fine. Friend
was in court a while back and told of some lady with maybe her 4th ticket
and the judge is asking how much she can pay a month. I think he said they
agreed on $25 and he lowered the ticket from a couple hundred to maybe $75.
Going to send them to jail? No rooms available. Plus high costs. Take the
car? No problem, they go get another $50 beater. There was a story in the
paper a while back about people who have a beater car for parking in the
city. It gets towed for too many tickets, and they buy back the car at the
police auction for less than 2 parking tickets.

On 4/11/10 1:32 PM, wrote:
On Sun, 11 Apr 2010 13:00:26 -0400,
wrote:

You can't do it is semi-rural Florida if you want decent coverage
(more than the legal minimum).


When we moved to the Jax area, I was astonished by the high rates for
auto and homeowner's insurance. They were twice what we were paying up
north. I attributed the high auto rates to the crappy drivers and the
hundreds of cars we saw without license plates, and the high homeowners'
to the plethora of hurricanes.

Both are probably accurate assessments. They now separate wind storm
from homeowners so you can see it. My pure homeowners is about $1100 a
year for replacement coverage.
I think the car insurance problem has to do with the number of
tourists. We have so many people who are lost and making turns across
3 lanes of traffic that it makes it real easy to get hit.
Add to that a huge population of people who should have surrendered
their driver's license during the Reagan administration and you can
see the problem.
My mother was dead when we got her "mail in" license sticker, renewed
for another SIX years. She would have been 90 when it expired. They
have not seen Judy for over 18 years. She has 3 renewal stickers on
the back of her license.


Florida's lax laws and regulations were a constant source of amusement.
I was pulled over once because the annual sticker on my license plate
had expired. I was not aware it had expired...and in fact the county or
state had not sent me a renewal notice. I fought the ticket and in fact
the judge let me off the hook, but reminded me that it was not the
government's responsibility to remind me about expired stickers. Well,
hell, everywhere else I had ever lived, I got a renewal notice.

--
http://tinyurl.com/ykxp2ym