Insurance Extorsion.

One thing that makes my blood boil is mandatory insurance. Actually, all insurance makes my blood boil but, mandatory insurance is the worst abuse of the US Constitution in America. So much so, if you mention insurance, I'm angered. If you wish to purchase insurance and it makes you sleep better at night , by all means purchase.

My experience is once you have parted with your money in premiums, making a claim for loss is under the direct control of the Underwriter. Possession being 9/10 of the law you become a beggar making a claim. Once contact is established in cyber space to an employee who lives overseas and struggles to interpret your dialect you find your premiums have bought you an ulcer. Making a claim is akin to a second job until a settlement is complete.

The claim will always be followed with a scavenger hunt of materials you must provide while they do NOTHING. Once you have compiled this information in triplicate from carrier approved vendors, your claim will be entered for process. This means it sits upon somebodies desk until you call and break several of the 10 Commandments.

Insurance will utilize any loopholes in fine prints that will delay or deny payments. Even if they loose in courts later, They are a despicable bunch of thieves who suck off the general public. Like your Banker, putting money in the bank is always easy. Making the withdrawal is certain to involve imaginary fees, calculated with imaginary mathematics and imaginary rules of governance.

When I began driving I attended a Driver's Education Classes who taught people responsible driving procedures. We drive on the right side of the road in America which is important information for the new driver. Overseas they drive equally safe on the left side of the roads.

This is the focus of Driver's Education to insure all drivers understand the rules of the road. The actual motor skills are secondary to the written portions of the test. After proving your proficiency to the state you may then operate a motor vehicle. You are not required to own a car or have insurance.

Your license can be evaluated by your driving history. If you accumulate violation points you will be charged for each violation. If you accumulate excessive points you may loose your Operator's Permit. The points accrued can be used to determine how much you will pay for insurance. If you cause an accident you will get points and pay for damages through increase premiums or court judgments.

Your driving history is shared freely with Insurance Underwriter's in an unfair collaboration of collusion of your information. If involved in an accident the local attorney will likely get to the scene before the authorities or medical ambulance. Big money in frauds.

Back in the day (1965) the Operator's Permit did not require any insurance. You also did not provide insurance to drive a car. The only requirement was a registration and tag identifying ownership of the vehicle and attest to it's road worthiness.

Insurance for the vehicle was not required. Many large Corporations such as the Bell Systems and Power and Light choose to be self insured. Meaning they would either pay for damages or see you in court. The decision to be self insured is based largely upon the cost to insure all those cars and trucks. I'm sure there are loopholes today allowing corporations exemptions from insurance.

It was understood if you were involved in a chargeable accident the result would be a court judgment and garnished wages with possible seizure of your personal property. You would be forced to pay the damages.

In short your Operators License was to prove your competency behind the wheel. Auto registration proved you had payed tax to use the roads. Insurance was a contract between the citizen and underwriter to pay damages if you were deemed liable.

You could own a car without a Operator's Permit and you didn't need a tag unless you drove it on pubic roads. You could have a Operator's Permit and not have a car or insurance. I'm not sure but, I'm relatively sure you could insure a car that you did not own. They would take your money if you were foolish enough to insure another persons auto.

The point here is all three being, License, Registration, and Insurance were not interrelated. If you were detained by Police they would always check your Operator's Permit, always check if your tags were current. Police seldom asked for registration and never asked for insurance. Insurance was none of their concern as this contract was entirely your business with your Underwriter. Police new immediately if you were a competent driver and the car you were driving was not stolen. What could be easier.

Insurance Fraud is always a problem. Once a policy is written people often make false claims for injury and fraudulent losses causing premiums to escalate due to no fault of your own.

Most of the time I carried auto insurance. It wasn't expensive and had value as bang for my buck. When times were tough you cut your budget as necessary. Maybe you would drop insurance on one car while insuring another. Insurance was usually an area that was first to go. Logically if your not working, your not driving much reducing your exposure to accident. Nice to allow the people make their own decisions.

I'm not sure but, I believe it was in the 1980's the law changed and required everyone to have auto insurance. A few years later the laws was reinforced by demanding "those involved in accident without insurance will forfeit their license for a mandatory one year". Still you had to be guilty of an accident.

Then one year I went to buy tags and they demanded proof of insurance before they would sell me a tag. Now they have tied my car registration to an extortion contract for insurance. No courts, No judgement, No rap of the gavel of justice and No Constitution. Each time the government tightens the insurance nooses around the consumer the cost of insurance goes higher.

They have been empowered to control your wealth by State Laws. Congress has no such power, only the States. There are still two states who don't require mandatory auto insurance. This does not mean your not liable for damages. You still pay any judgements against you.

Then with the full force of government behind the Underwriter the Carriers began the practice of charging higher premiums for anyone without insurance for 6 months. No wrecks, claims or point accrued. Now they were penalizing the consumer for not paying the Insurance Tribute. That's Extortion. You have the government demanding insurance and the underwriter demanding his rule be obeyed. Further the Underwriter share your information and you will discover the collusion permeates throughout the industry. Doesn't matter where you purchase, the penalty for tribute will be charged. The risk factor for bad driving is overcome by refusal to pay Tribute.

Anytime the Government intervenes in commerce by demanding citizens pay tribute, the first obligation of contract transfers from your right to purchase, to the insurance provider and government. You have been reduced to a pawn in economic circle. Neither the government or industry answers to the citizen. The power of purchase has been removed and we all know money talks. Without free markets corruption flourishes in deceptive charges that cannot be justified. Congress doesn't care and the Banker Insurance Providers sure as hell don't care. Enormous profits and bonus are scored in an unfair market as Congress lays their thumbs on the scales of commerce. They only attach themselves to things necessary in life liberty and your pursuit of happiness.

Effectively you have a government who licenses the Underwriters charging bogus fees and Tribute. You could be the worlds safest driver and be charged higher premiums than another driver with violation points accrued.

Suddenly, you have parted with all logic and installed a dictatorship Underwriter. Very similar to the Bankers who charge higher interest rates for people who don't have credit card debt. Even if you have a clean credit history and are current on all obligations the banks penalize you for not paying tribute to the Banksters. If you don't have a credit card they charge for cashing a check written on their bank. I avoid all checks as a result. Pay me in cash, gold or silver.

If you thought this couldn't possibly get worse it has! Now if you fail to pay the Insurance Tribute the Underwriter notifies the government your auto insurance has lapsed.

The State will then send you notice you must surrender your registration. This means a trip to the local smelly DMV to return your tags. No reimbursement for the Tags Five Hundred Dollars in taxes paid, presumably for road usage. Failure to submit tags will pull the second state trigger of revoking your Operator's Permit. Another huge step in extortion and departure from the logic of Insurance. It's now all about the Tribute paid. The government has now tied your Operator's License, Auto Registration Taxes and Insurance Laws together violating your rights. to Illegal Seizure, Justice, Life, Liberty and Pursuit of Happiness all protected in the US Constitution.

In my particular case I have a Operator's Permit with the additional cost of the Motorcycle Endorsement. This is another extortion to penalize people who are environmentally conscious and operate a fuel efficient motorcycle. This creates another violation of my rights. Motorcycles are Not Required To Carry Insurance. This means even though I was a legal Driver my Operators License was suspended and a $150.00 fine for not Paying Insurance Tribute and forfeiture of the $500.00 Tag Taxes. Most people require a Operator's Permit to gain employment. Even though the company's vehicle is insured you cannot work because you cannot drive. Heaven forbid your a truck driver because now your barred from employment.
This means your now covered by employers insurance but have no Operator's Permit. Catch 22!
Your Operator's Permit now includes your Social Security information and is required ID for everyday commerce. Once they have access to your Operators Permit your entire life history open like magic. Illegal Search and Seizure?

The revocation of your Operator's Permit is $150.00 fine for first offense, second is $300.00 and third is jail. We are now placing law abiding citizens with no accident, violation in Insurance Tribute Prisons.

I have no intentions of obeying these laws. I intend to protect my privacy, drive without a Operators Permit and forgo the enrichment tribute steps in between, thus denying the piracy. The penalty is the same Jail and Fines. Why pay the extortion when the results are the same?
We allow 22 million illegal criminal aliens to free range with impunity among us. Drive without Insurance and your a felon!!!

The purpose 0f auto insurance was to offer protection from court judgments. With the insurance fraud the cost of insurance and awards from juries and attorney fees has caused the amounts awarded to exceed the policy coverages. Meaning you will likely pay amounts above the insured coverage and loose your property in bankruptcy. Not having Insurance means you will likely not be sued because there is no money to extort. Attorneys don't waste time when they know there's no pot of insurance gold. When you file a claim the Underwriter will raise your premiums and you pay in the end. The process ends where it began. Your responsible for the damages and liable. The Insurance along the way is wasteful Extortion.