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Originally Posted by LadyT
Sorry, I can't agree that it's all about personal freedom. When morons refuse to wear helmets or buckle up, and then get hurt in accidents, it affects us all in terms of higher insurance rates for everyone. The cost of surgery, medical care, rehab is covered by insurance and then passed along (in a fashion) to all policy holders by the insurance company. You don't honestly think that the premiums you pay would cover all of your medical expenses in a major car accident, do you? Because they won't and the insurance company recoups its costs by allocating their expenses to all of us.
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You are totally correct, but I think you have confused what IS with how it OUGHT to be--just because that is the reality, doesn't mean that it is right or acceptable. I see that insurance is the problem here--not negligent people. The government doesn't have the right to tell people how to live, unless it endangers other people (people should have the right to endanger their own lives, IMO). Riding without a helmet only endangers the bike rider (and not others). So if the only justification for telling people how to live their lives is so insurance premiums will not rise, that is a weak argument.
The problem with insurance rates is the government's problem--they are supposed to provide for the healthcare of their citizens (IMO). Since they cannot (read: do not want to), they have created the health insurance industry (privatization at its worst). If the government's only solution for their failure to provide adequate healthcare is to impose unnecessary restrictions on how their citizens live, then we are in desperate need of a revolution.
BTW, if you cannot already tell, I HATE insurance. It's the biggest scam EVER. ...and yes, I am ready for everyone to tell me how BAD things would be without insurance (and how naive I am).
EDIT-I should not say that I "HATE insurance", that is not accurate and I would like to retract that statement. It would be more accurate to say that I am truly frustrated with the entire situation.
