Best Cost Car Insurance

Yea, or Nay? Auto liability insurance included in the price of gas.?

situation: apparently reliable sources online and in newspapers report that about 18% [two in eleven] vehicles on the road in Florida [where I am] do NOT have auto insurance. same sources report that these same uninsured vehicles are determined to be the cause of about 22% [just over 1 in five] of all auto accidents in Florida. both trends are increasing. Uninsured/underinsured coverage on our auto insurance costs almost $150 a year per vehicle/driver. If everyone had insurance, this cost would be far lower or absent completely. multiply $150 dollars a year times the estimated non-commercial vehicles in Florida [15.9 million per FLDOT] times 82% have insurance and we're collectively paying $1.955 billion each year that we maybe shouldn't have to pay at all. So -- Proposal -- vote Yea or Nay -- and WHY !! Gasoline taxes should be increased sufficiently to include government provided [offered for bid to major insurers] insurance covering injury to others and their property for all accidents that occur in the state. "Pain and suffering" damages are NOT included, nor is "lost wages". Misc notes: the Legislature will, of course, require that hospitals, etc. give their best prices to this government program to contain costs. As usual, intentionally caused accidents will be a felony and punishable by large fines and imprisonment. Coverage for your vehicle if you are at fault is your responsibility -- buy it or not as you see fit [or as agreed with your auto lender]. Same for "lost wages". Of course, some provisions will have to be made to prevent people from dodging the tax and buying lots of gasoline in Georgia for use in Florida, etc. PLUS: hospitals and doctors will always be paid to treat auto accident victims. innocent people who are severely injured will not be impoverished or bankrupted by the reckless or thoughtless acts of others. {aside: gas guzzlers, speeders, and large tubs will pay the most.} would you be for or opposed to such a program? I've also lived in a state that has "no fault" insurance, but without the feature of not being able to sue at all. [which may be unConstitutional.] Rates and rate increases weren't any better. I have read the first 9 comments and add the following: Florida already has law requiring proven insurance to get license tags. Doesn't work. We also have a distressing large number of people driving who do not have a license at all. So many, that the courts can't or won't jail them when they're caught. You already pay for the other driver's lack of insurance, that's what UU [Uninsured/underinsured] coverage is. Yes, you may decline to buy UU coverage. Under present system, if you do and are hit by an uninsured driver who flees or is poor -- you pay for your own hospital bills. So you are running the risk of getting hit and having no one you can sue [or collect from] and thus have all your family's assets go to the hospitals and doctors. How fair is that? Toocan -- you missed a vital point -- as far as medical, everyone in one accident would have same insurance company [state's choice], and all would always be covered. no blame to assign or way to avoid paying.

Public Comments

1. How about just Gas included in the price of Gas?
2. Absolutely not, aligning the Insurance Companies with the Oil Companies? We got to find a better way.
3. No. The government has put enough tax on gasoline. Proof of insurance should be required to renew drivers licenses/car tags though.
4. oppose. it's unfair, not to mention unconstitutional, to ask me to fund someone else's expenses simply because they can't afford it.
5. i would be for it -- it makes a lot of since and I have a perfect record by the way so my bill would probably go up
6. "Uninsured/underinsured coverage on our auto insurance costs almost $150 a year per vehicle/driver. If everyone had insurance, this cost would be far lower or absent completely." that was the argument in Texas when a law was passed mandating that EVERYBODY who drives have liability insurance. rates have gone up just as fast as always, and now all that happens is each insurance company blames the other driver and says the other insurance company should pay. i disagree with your plan only because it is premised on the insurance company being honorable and respopnsible. fat chance of that happening.
7. Not a good idea! Electronic tag scanners could do a better job of identifying uninsured autos and getting them off the road. If they can use a camera at intersections to give you a ticket for running red lights, then they can do the same for illegal traffic!
8. no that's silly because now your still paying for those peoples lack of insurance. it would be much better if your insurance only covered your car and its passengers no matter who was at fault. then make insurance optional and those who don't want it aren't covered in anyway and cant sue regardless of fault because the opted out of getting the insurance in the first place.
9. ABSOUTELY NOT The insurance companies scam the people enough. already and why should I pay for someone else's insurance?I can hardly afford my own.It is a responsibility of the driver as it should be.