Car insurance is socialism

Car insurance is socialism.
Take the bait.

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>Government mandated car insurance is socialism

Fixed that for you.

Actually it's not. Because car insurance isn't about you but the person you might run over, dip.

It's not to repair your car if you have an accident?

those ladies are quiet attractive, doth thou hath any more akin?

Socialism is when the workers own and control the means of productions, it has nothing to do with what the government does or does not do

They are. And yes.

there are actually two kinds of insurance
1st - you run over somebody or hit somebody/something and instead of paying fuckton of money, insurance company handles it - it's mandatory
2nd - you're run over by somebody, somebody does hit&run on you, destroys your property or similar - that's optional

>It's not to repair your car if you have an accident?

No, it's not. It's primarily a liability insurance to make sure you can pay the damages you might cause to others.

thank you, kind sir.
may i trouble you to dump all youve got?

>I bought something I don't really need from a jew and it's communism because I say so

Fixed it for you

jesus christ that pic. america is truly the land of the classcucks

Car insurance is to provide financial security and protection from liability concerns that may arise from a traffic accident.

You should be free to choose to take a higher risk by not having car insurance.

Socialism has everything to do with government involvement, because it is only through the use of governmental force that you can enforce such laws and regulations.

Is not. No one is forcing you to have a car.

some serfs are happy serving their lords

Don't all the americucks say healthcare insurance is socialism?


> they took the bait

It's voluntary, thus not socialism. Next thread

>feels the world owes him everything so he can jerk off in moms basement all day care free
Look whos talking cuck

>because it is only through the use of governmental force that you can enforce such laws and regulations.
Not if the workers seize the workplaces themselves and organize self defense units. Protection of property and the MoP has everything to do with government though

oh yeah I forgot, it's voluntary.

ive noticed that unfortunately

Yes. I actually agree with that. I think car insurance should only be available FOR YOUR OWN CAR and not others.

They should instead mandate that you pay for the damages to others after they happen. It's a helluva jewish scam to pay 100+ bucks a month for liability insurance when you have had a perfectly clean traffic record for decades.

If people do not pay, then the government should garnish a portion of the wages until the damages to the other guys car/person are paid down.

And mandating people carry health insurance is the same bullshit.

They are a combo of socialism and crony capitalism, they basically make you subscribe to a service that you might never use, which is disgusting and absolutely NOT what America stands for.... but when big corporations run the politicians, this is what happens.

>You should be free to choose to take a higher risk by not having car insurance.

It's about protecting the aggrieved party, you dingus. Because if you can't pay the damages that person is fucked.

doing ok?

...

I like those retro bushes and tan lines. moar.

Be me young poor fag

Buy a car for 1k
Car insurance is 3-5k in Ireland for first years


How is this fair
What is everyone here a rich fag

This.
> But everyone still took the bait.

So mob justice is basically what you're advocating for?

If the aggrieved party wants to protect himself financially in case of accidents, he should get an insurance that covers it.

You obviously dont under stand how insurance works.
You just describe an insurance les societly where if you rear end someone you pay for their damages. But you fail to explain how your going to come up with the money to pay

>>Former marine
>>Got into military to go to college for pretty much free
>user is super super bad
>He comunist and cuck
>user is going to college for free!

Kek, nice projection and back to

That kid is actually the biological father of Michael Jackson's children.

en.wikipedia.org/wiki/Mark_Lester

Just don't get a car

How is socialism mob justice? The workers created the wealth, it's only fair they get to decide what to do with it and how to organize their own labor.

>Car insurance is 3-5k in Ireland for first years

Bullshit.

GET THE FUCK OFF MY BOARD EUROCUCK! THIS IS AN AMERICAN BOARD FOR AMERICANS ONLY FUCKO! TRUMP SIGNED EXECUTIVE DECISIONS BANNING ILLEGAL CYBER IMMIGRATION! YOU CAN NO LONGER DANCE ACROSS OUR VIRTUAL BORDERS AND COMMIT ACTS OF IMMIGRATION TERRORISM! FUCK RIGHT THE HELL OFF BACK TO YOUR THIRD WORLD SHITHOLE COUNTRY'S CYBERSPACE AND STAY OFF AMERICAN WEBSITES!

So why does car insurance work that way, exactly?

You don't buy fire insurance in case you accidentally light someone else's house on fire

You don't buy flood insurance in case you accidentally flood someone else's house

You don't buy phone insurance in case you accidentally smash someone else's phone

Car insurance is government mandated because you buy it to protect others, but WHY do you buy it to protect others? Why don't people buy insurance to protect their own cars and if they choose not to then their car is unprotected in the event of a wreck?

They created the wealth using machines and equipment that doesn't belong to them. They get their fair share, it's called 'a salary'. If they aren't happy with it, they are free to seek other jobs.

Nice pasta, autismo.

Tell me, user, which country is actually ruled by "workers" whatever that means.

You have no choice, in any European state, whether or not you don't want health insurance, car insurance, taxing for public schooling - even though you're privately schooled and bills containing mandatory donations that aren't classified as tax, but are - in all intenst and purposes - taxes that aren't stipulated by law(yes, they exist). In the future we'll have mandatory bike, skateboard, those shitty hoverboards, and roller blade insurance.

Glad we agree, user, that socialism is cancer.

And socialism is mob justice because it requires the use of force instead of mutual agreement as does capitalism.

Hence why there is underinsured/uninsured insurance faggot. You are still responsible for the damages though and if you have no insurance you still have to pay those damages out of pocket or risk being sued and even losing your license in some states

These women I wont fap to but would realistically marry one of.

fap to bimbo airhead teen bitches, marry a normal decent women for procreation imo

I did explain it. You pay after the accident. You shouldn't be financially punished for accidents that you don't have. Appraisers calculate the damages, the government mandates you pay X amounts, if needed your paychecks get garnaished and you pay a certain percentage of your wages until you've paid off the damages.

Insurance is optional, but if people choose to go that route they can. If you get into a wreck and cannot pay the damages you go to jail. Sure, most people probably can't pay off all the damages instantly, but it can come from a government pool that disburses to the damaged party and you basically pay the government back.

But it's scammy as fuck to be paying 2000ish a year for insurance that is never used. That's the cost of buying a shitty beater car paid every year

It really turns me off when they stare at each other like that.

Isn't america built up of us Europeans and Africans

You can prove me wrong if you want

Any form of socialism, no matter how mild is just the work of Hitler revisited. National Socialism has killed tens of millions, hang your head in shame Obomba.

Not user, but wat? Are we really talking about socialism and not comunism? I know americans sometimes interchange both terms, but it is not reign of the masses.

>former marine
>worked 60-70 hours a week for 8 years to pay my way through college

And I spent 4 years in the army which payed for my nursing degree thanks to the GI bill which also payed for my housing during college thanks to the monthly housing stipend of 900 dollars. I now make close to 40 dollars an hour.

>They created the wealth using machines and equipment that doesn't belong to them.
But it should belong to them, it was their labor that created the surplus capital that allowed the corporation to buy the machines in the first place. The only reason the tools don't belong to them is because the state defends the corporations property rights with force.

Because not everyone has the cash lying around to pay for the medical care of a person they just ran over. And that person deserves financial cover to protect them from the stupidity of others.

if you can't pay for you car requirements, you can't own a car anyways...

get fucked, eurocuck

>agree to do a job 40 hours a week for x amount of dollars.
>you and buddies decide this is not enough, demand more from company because you "create wealth"
Thats mob justice faggot. Lets spin it around
>you hire someone to cut your lawn
>pay them $30 a week
>they decide you dont pay them enought
>they get with the other lawn cutters and demand everyine have minimum of $50 per week and free use of the lawn for whatever they want when they want
Guess thats fair per you

>So why does car insurance work that way, exactly?

It's a liability insurance, god damn it. It's to protect other people who you might cause harm or damage to so it's guaranteed you can pay what you owe them. It's not to protect you from bankruptcy, it's to protect innocent third parties from bankruptcy due to you being to stupid to drive.

You assume (as he lead you to from his poorly worded list) that his 8 years of 60-70 hours were IN the marines.

He was likely kicked out of the marines (dishonorably discharged) and due to his poor life choices he was only able to get a shitty job at a gas station, where he had to work 60-70 hours a week for 8 years to pay for a community college

>Tell me, user, which country is actually ruled by "workers" whatever that means.
None because capitalism is the hegemonic economic system. Also the USSR was state capitalist so it only meant the state owned the MoP

But capitalism relies on the use of force, that's why we have a police force, private security and armies. Likewise was capitalism established through force by seizing the land held in common by the peasantry, forcing them to move into the cities

>nursing degree

Faggot.

That doesn't make any sense. Your logic completely avoided the question I posed.

Not everyone has the cash lying around to pay for the medical care of a person they just shot, but we don't buy "gun insurance"

Not everyone has the cash lying around to pay for the medical care of a person they just stabbed, but we don't buy "knife insurance"

Instead the person who was shot/stabbed buys health insurance and has the opportunity, right, and responsibility to sue the person who caused them harm (physical and financial)

Same applies. If you run someone over their health insurance covers it and they sue you for running them over.

See the above

I mow my own lawn because I'm not a burgerlard

it's so you can repair my car if you cause an accident

last one.

Are you retarded? All those scenarios are working through unions and they are only working if a company pays below the average. How the fuck did you now include unions? They are not socialism, socialism is a state taxing earnings. Fucking hell.

>hire someone to cut lawn
>pay them 30
>have 40.000 more people interested
>they want more
>Fire them and hire a new one for 30

Congrats you now saw how companies work. Hiring someone new only works, when you pay htem enough. Unions only work if you pay not enough.

There should be a law that mandates death penalty to the person of fault in car accidents.
Little extreme... Hear me out though
This would make people fear for their life each time they drive, which is only fair because you are putting others lives at risk when you're driving. It would also make people better drivers, it would cut down on the population a little bit, increase the number of anatomical gifts and eventually everyone left would be good drivers and there wouldn't be a need for insurance.

Car insurance is mutualism . Free car insurance for the poor is socialism; not that there's anything wrong with that!

Yes, socialism is terrible.

And yes, taxes that aren't stipulated by law exist. You don't even have to look at things like security issues in cars etc. Just look at inflation.

I have no problem with that.

I'm not American, I'm living in Sweden.

Yes, socialism requires governmental force to enforce their policies, policies that invariably limit our freedom.

Just look at how things are going in Venezuela.

No, it should not.

They didn't spend their own money to purchase the land and equipment, they didn't take any risks.

And can you name a single country where you don't have the right to private property that you would like to live in?

Their home owners may cover it but you also may be on the hook depending on how you burn or flood it. You probably should get unbrella insurance if your that much of an idiot. Phones are cheap enough insurnace isnt worth it. And car insurance is different because people fucking hit eachother all the time and the cause of the accident is always responsible

It would probably cause people to be extremely nervous at the wheel, causing more accidents and industrial scale killings. I know this is a funposting thread but this is the worst idea I've ever read online

I like this.

>All insurance is socialism.
Fixed. You break it you pay for it.

>not that there's anything wrong with that
>not anything wrong with socialism

Seriously, kid, GTFO. this is a board for the grown up mans...

Yes, but we're Ameripoors. So then what?

>Car insurance is socialism
Insurance is a perfect example of free market capitalism because It costs less when you don't claim. Socialist insurance would be the opposite.

>They didn't spend their own money to purchase the land and equipment, they didn't take any risks.
But the corporations money was gained through exploitation, it shouldn't have belonged to them in the first place.

So you want to be on the hook for that 100k accidnet you cause? You dont understand how insurance works do you faggot. How long do you propose they give you to pay 100k? 1 year? 10 years? 50 years? Why shoukd the people you hit have to wait for you to come up with the money?

Hitler was a Socialist, that's reason enough to hate it.

>Hurr durr hurr insurance is a scsm
>to pay a small fee to know if something where to happen i wont have to pay out of pocket
>hurr durr hurr

You have a police force and law and order to make sure that your rights aren't violated by other people in, and the ensure everyone the right to pursue life, liberty and happiness.

There is not a single corporation that can get your money by force - only the government can do that.

And historically, all the countries that have adopted a free market and relatively free trade, have been the ones where the masses have risen from poverty like nowhere else.

Except the probability of one of those happening outweighs the other two by a few factors.

>I'm not American, I'm living in Sweden.
O-oh, ok. What? Sweden is the most socialist country and it is working great for them except some memes. And venezuela is comunist.

>Yes, socialism requires governmental force to enforce their policies, policies that invariably limit our freedom.
Just like crimes in capitalist or monarchist systems are, duh. I rather pay 10% of my tax and be safe my whole life if I get fired or need to go to doc.

>Jews run everything
>Elect Trump
>Blame Mexico
>???
>Profit

righteous bush

Your idea that the economy is a zero-sum game where if one man benefits, the other must lose is simply false. In a free market society, both parties are the winners.

Or can you tell me how many poor people you have worked for?

Let me guess you live in your moms basement

First you said "their home owners insurance may cover it" -- this is exactly the point I was making, that they should buy car insurance to cover THEIR OWN car and not to protect others

Next, you said "you may be on the hook" -- this is also exactly what I said (that they can and should sue you)

You then proved the validity of my point by saying that you don't value phone insurance, so you don't buy it. Yet whether or not you value your car you're forced to buy car insurance.

Then you ignore everything you just said and radically change your point of view to say "well car insurance is necessary because cars are dangerous". Skydiving is dangerous but we don't force parachute manufacturers to buy skydiver insurance. When people engage in risky activity they CHOOSE whether or not they want to be protected.

Car insurance was deliberately invented with this backwards mentality that drivers should pay for the people they hit, which flies in the face of every other industry where the people they hit sue the driver (or the people they stab sue the stabber or they people they shoot sue the shooter or the people they criminally neglect sue the care taker)

It was intentionally invented backwards in order to justify making it a legal requirement, because when you legally HAVE to buy something they don't have to be competitive or improve their product. They can charge whatever they want for shitty product and they're still guaranteed to get buyers

Now here's the real kicker: let's say you're a good, honest, upstanding citizen who pays your $150 monthly for car insurance and always follows the rules of the road. Now some dumbass who barely speaks English and has no insurance runs a red light and hits you. Are you protected? No? Because HE wasn't paying, even though you were?

In what world can you pay money for a service and not obtain any value from that service? Oh, yeah -- one where they charge you additional fees or both uninsured AND underinsured motorists.

>socialism is terrible
>scandinavian countries are all in top 5 countries by living standards

socialism sure seems to ruin countries ey?

>In a free market society, both parties are the winners.
But that's not true. A simple look around will tell you otherwise.

>And historically, all the countries that have adopted a free market and relatively free trade, have been the ones where the masses have risen from poverty like nowhere else.
You mean like China and the Soviet Union?

There isn't a single country that is pure socialist or pure capitalist. They are all hybrids, to varying degrees.

Sweden isn't a socialist country, we are primarily a capitalist country. We have a market economy and an even less regulated financial market than in the States.

We have taken, and are continuing to do so, steps to become more socialized. And that is also why eveything has started to become worse by the decade since the 60's when we started taking to deviate from the free market idea.

What crimes are you talking about?

And considering how I pay some of the highest taxes in the world, why is safety a growing concern over here? Not to mention the ability to actually get to see a doctor (waiting lines go on forever), there's been a major housing shortage for the past 10 years now, education has dropped dramatically etc.

Thank you government, for ruining everything.

China is booming because it embraced SOME free market policies. The Soviet Union collapsed under the weight of it's planned economy, but not before killing a couple-ten million in famines.

In some countries without car insurance if you hit and injure someone permanently you are responsible for their medical care the rest of yours and their life. The costs are staggering, so when someone hits a person on accident in that said country, they keep hitting them until they are dead, cause it is cheaper to kill them and just pay for a funeral. Look it up.

And so are you cause they can sue you personally for those damages. It protects both parties

Living standards and equality in both China and Societ have plummeted since they gave in to "free" market economies. The ones who starved in the early years of industrialization are few compared to how many starve under capitalism.

They became great because of capitalism and industrialization.

You really should read 'Scandinavian unexceptionalism'.

Sure, take a look.

In what countries that have adopted capitalism have the masses not risen to levels of wealth the people in socialist countries can't even dream of?

How did Hong Kong rise to become an economic power?

How did Singapore turn from a backwater shithole to one of the wealthies nations in the world in just 50 years, after having adopted a free and almost completely unregulated market?

And one of you talked about how capitalism is built upon exploitation, slavery etc. Did Singapore have slaves when it introduced capitalism? Has China had any slaves since the Meiji restoration time?

You learn something new every day.

Today I learned there are actual retard who believe this sort of nonsense.

Mob justice is democracy. 51% control and make decisions for the other 49%.

It is for you. If you drive into a tree, your insurance pays for a new car.

Dumb idea in the first sentence.

Mandating car insurance is to protect OTHERS. That's why it is required in case you fuck up and hit them. Protecting yourself is optional and not required.

Health insurance covers YOU. No one else is affected or protected by this coverage or lack of coverage. Obamacare initially had the mandate to require you purchase health insurance and I agree this is bullshit.

I already mentioned Hong Kong.

Mainland China that didn't choose to go that way is complete and utter shit as compared to Hong Kong. If you really want to see how people think of these systems, look at how they vote with their feet. It was the exact same thing in Germany when they still had a wall.

And the soviet union was a planned economy, the very opposite of a free market economy, so I don't really understand why you're bringing that up.

If i pay £1000 for a year of insurance, and i have no accidents, no claims, no incidents

What the fuck did i just spend £1000 on?