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The point of mandatory third party insurance is so that when you drive through the putative crowd of children waiting for the bus, the state and the victim's fa
by multjoy 2y ago
The point of mandatory third party insurance is so that when you drive through the putative crowd of children waiting for the bus, the state and the victim's families are not on the hook for lifetime care costs which can easily be in the tens of millions of dollars per victim.
- thatcat 2y agoIdk seems like a get out of jail free card when you should probably be in debt for life, slaving away for your grave negligence, not let off the hook because you paid 100$ a month.
- dns_snek 2y agoLet off the hook? That's what criminal penalties are for. Without mandatory insurance those victims wouldn't get anything.
- thatcat 2y agoThere can be other systems than private subsidized insurance for that, criminal penalties are rare. It would need to be like a dui for that to work.
- multjoy 2y agoThat’s no good to the victim, is it.
- thatcat 2y agoYou can't really retroactively fix things with money, the idea that it "compensates" in some equal way is simply wrong. Money helps with the medical bills, disability, etc. It's better than nothing, but even if you pursue civil or criminal litigation it's not going make any one else take paying attention to controlling their heavy machinery more seriously. The perception of consequences diminishes, even though there are real consequences they seem like tail end risks since causing an accident doesn't typically result in jail time or civil litigation. I guess my hypothesis, based on a single observation is that people take extra risk because they have insurance and so feel like if they get in a wreck - it won't be that bad and they might get a new car.