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Americans Need Universal Auto Insurance
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For far too long, automobile insurance carriers have been preying on the wallets and transportational health of the American people. Year after year, drivers in this country pay thousands of dollars to insure themselves against accidents, dings and dents, and personal injuries. We are statutorly mandated to have coverage in order to legally operate a vehicle, but the government does nothing to control costs and make insurance affordable.
We pay higher premiums for being too young or too old.
We pay higher premiums for the cars that we choose to drive.
We pay higher premiums for the misfortune of getting nabbed speeding or running a red light.
And some even lose their insurance all together merely for being reckless or negligent behind the wheel.
Poor people are forced to under-insure with places like Safe-Auto or The General that do not provide collision insurance and run the risk of bankruptcy if they are involved in a collision that they caused.
People with bad driving records are gouged by predatory carriers like Progressive, who charge high monthly rates to provide astronomically high deductables, and in the end don't pay out a dime to fix or replace a vehcile after another unfortunate accident.
And what about the millions of uninsured in this country? They are forced to take public transportation, ride a bike, or *gasp* walk to where they want to go just because they cannot afford the cost of insuring their vehicle. Sure, they can find a clunker for $500 on Craigs List, but what carrier will insure them for a reasonable monthly premium? These people are denied their constitutional right to transportation and no one bats an eye.
All the while, these wealthy wall-street bankers with clean driving records and expensive cars enjoy their full tort options and gap insurance when they could afford to buy a new car if theirs got dinged in a fender bender.
It has become clear that the time has come for change in this country. For far too long, the pampered few with no moving violations and no accidents have benefited from the toils of the terminally lead-footed and accident prone. Every man, woman, and child (over the age of 16) in this great society are entitled to low-cost, government subsidized, and government managed automobile insurance. Let not another day pass without Dear Leader tackling the promise of Universal Car Insurance for all Americans.