Insurance Mandates vs Freedom of Movement & Freedom of Choice

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Le happy Muh Roads meme. Oh wait, this post is not about roads! It is about my opposition to this driver insurance mandate crap.

It all started when I heard about some family of mine having insurance troubles.

First I went on a totally pointless walk to try and fail to return my bike tubes for having the wrong kind of valve tube. See, my bike’s back tire busted when I was on the bridge that connects Cheshire (my town) to Wallingford (a town I like biking to on mid summer’s eve every month of hot season). I was trying to go to Wallingford to buy programs to get my Battle for Middle-earth modifying matter onto my Macbook Pro. Instead I ended up needing to replace the bike tubes.

Once I got home from that, one of my family relatives came home… and she tells me her insurance expired. Also, there’s, I guess, a law mandating arrest, conviction and jailing for anyone who lacks insurance. Here, I am going to focus my reader base that just keeps getting more global on how hazardous insurance mandates are. On the health of the civil right to freedom of movement, but also on the economic liberty called freedom of choice.

How Insurance Mandates are inherently bad for the freedom of movement

Here is the more relevant segment of this post. Thus, I will make this segment much longer than the next. Basically, this law I heard from my family relative says if you do not have car insurance then you can be arrested and jailed for using the car you legally own. Now don’t get me wrong, I do think drivers need to earn and retain driving licenses by learning and following rules of the road at all times. But I also believe that to force everyone to buy car insurance is going disgustingly overboard. And thus is getting into the “You have no freedom of movement anymore” zone. Which is an inherently immoral zone to get into, especially if you are a cop or politician or other government officer.

As such these principles of mine have lead me to ask this relative of mine “Are you violating someone else or their belongings by lacking car insurance?” And she said stuff to me that lead me into saying “Please think about what the question was cuz I only need a yes or a no.” Her reply was that car owners do need to have car insurance. Now, I believe her on this absolutely! But I refuse to ever believe that arresting and incarcerating people on what comes off to me as a ‘guilty until proven innocent’ basis, is the utmost worst way to go about it.

Now, I do not plan on owning a car until I have finished two years of studying Software Engineering at Gateway Community College. And to make time for a larger store of work-hours per week I desire to take the software engineering courses online. I’ll save the making new friends aspect of life for when I apply what skills I learned to earn my associate degree to an actual software engineering job. Kinda like what I do now except with a much easier time turning more relatable folks into honest friends.

But when I do get to car ownership, I guarantee you my reaction to having car insurance for the first time is not going to be anything favorable to this mandatory insurance law. I am going to create a petition to get all insurance mandates abolished overnight, even though that is something that legally, only Congress can do.

How insurance mandates are always bad for the freedom of choice

Even though I think everyone needs to buy insurance, I also think people need to be personally responsible in ways like saving up for insurance. There are other ways one can afford insurance, too, I realize. I must also highlight that even economists can agree from all manner of ideological viewpoints to oppose income taxes. See, income taxes are constantly one god-tier reason many poor, working class and even middle class are willing but unable to buy insurance for car, health, or whatever else.

Plus, no one private company should have any kind of monopoly on the sale of insurance. Natural economics means allowing insurance prices to reflect supply and demand, i.e. if insurers get fewer customers than they have supply for, prices get low. Although, there is the question of how insurers would be punished for ripping off their customers! Frankly, insurance customers would make negative reviews and solicit boycotts, because there would not be government bailout of fraudulent insurers in a fully civilized economy.

Well, that’s all I got. Thanks and bye, readers!

~KSP Perkins

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