You can't go into deep analysis to determine who the yo-yo's are. It is you and me. It is all of us with a half decent driving record (more decent than half). State legislature in Florida recently eliminated the "No-Fault Insurance" because of who knows whose interest's reasons. It was probably a good measure for some and a bad one for others. It was another one of those political decisions with lawyers controlling our lives with the "Yes or No" answer in every aspect of it. The color spectrum when making laws is only Black or White, and I do not mean race, I am talking about the narrow minded politicians and the opportunistic lawmakers to make their life easier and ours even more complicated every day. There is nothing in between to reward good drivers versus bad drivers. It is either NO-FAULT insurance or FAULT INSURANCE for everybody! Pick one. If you pick No-fault your premium goes up. Should you go for the FAULT (modified now with ridiculous amounts of coverage if you want to stay at the same level of coverage as before) you may save some money but your coverage is so minimal that God forbid if you end up in a hospital for a couple of weeks after a bad car accident. You might have to get a second mortgage on your house (hoping you own one) because that modified FAULT insurance might only cover for your first two days at any hospital.
So what are the Insurance companies doing about it? NOTHING. The reason is the usual one...GREED. Insurance companies will now make more money with this new law of FAULT insurance (for lack of better word), whether you choose no medical accident coverage at all or a "token" coverage, let's say of $15,000, which will bring your premium above the level you were paying when you had NO-FAULT insurance, which provided a much larger medical coverage.
Now, some of these Insurance companies are running scared because it seems that State legislature is thinking of reversing their decision and reinstating the NO-FAULT insurance. It is a game going on between the State politicians and the "poor" Insurance companies. And guess who are the insurance companies asking support from to maintain this new status quo? Us, the insured victims! They are sending us letters asking us to contact our state representatives, senators, or the Governor's Citizen Services Hotline, etc. etc. to ask them not to approve any deal "which harms Florida drivers or takes away our savings". This is so pathetic and laughable. We are being used as yoyo's to fight for them, not for us. Nothing changes and vaseline still works.
My suggestion to these insurance companies and state legislators is as follows: Come up with a law to to eliminate the No-Fault Insurance, but that at the same time rewards the good drivers. Do away with the No-Fault but give substantial discounts to proven safe drivers. Not $20 or similar ridiculous discounts. Allow safe drivers to buy into a Medical coverage for accidents caused by others which will not increase their insurance policy above what it was before the elimination of the No-Fault, and which will provide real coverage in relation to the ridiculous hospital and medical bills that are current today, and not 5, 10 or $15,000, as they are now offering at a premium.
My suggestion to any one receiving these letters from the car insurance companies: THROW THEM AWAY. Don't fight for them. They should fight for us! They get our money!
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Another, even larger issue, here at stake, is the fact that this country loves to get an excuse to hike up costs. If something is evidently broken, and a consumer group speaks loud enough about it to have it fixed, the manufacturer will comply, but at everyone else costs. It doesn't even have to apply to goods, or service, or even the way a bank statement is produced online....IT'S EVERYTHING.
Everything has multiple versions to it, be it medicine, computer software, etc.. Why? Because if it was done the right way the first time, it would be harder for the "makers" to justify or better yet, perhaps SNEAK in an added charge.
Car Insurance companies will pass the buck however and blame the American public for the increase in insurance costs. According to them, the entire American census has nothing better to do, but to steal other vehicles, while incinerating their own, all day long, and that's why the insurance rates are so high. Of course, most of these insurance people that are interviewed, are usually interviewed inside of their personal pagoda in their backyard overlooking Lake Tahoe, the Intercoastal, the Pacific Ocean, or some other impovershed locale.
The real theft rings are the insurance companies themselves, and the real criminals are the college graduates who hold posts in these crime rings. I guess America is good for raising criminals. The better the education, the better you get to fuck the decent working stiff.
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