Insurance

No insurance? No gas for you!In a matter of days, a couple of weeks at the outside, SCOTUS will do the Insurance industry’s bidding rule on docket # 11-398, U.S. Department of Health and Human Services v. Florida. 1 2 Should you care to study the actual particulars of the question before inflicting your opinion on others regarding the Supremes’ verdict, here’s a handy 1-stop shopping link for you.

Regardless through which side of the needle the Roberts’ court stuffs that eternally abused camel 3, Life will trundle on. Some folks will remain insured, others – mostly those who we don’t as a society care about in any event – won’t. And the debate back in DC will continue unabated. 4 The summer’s patio & pool parties will be rife with mandatory auto insurance! analogies 5, autumn Con Law class participants will have new legal fodder for their cuds, the pundits renewed screaming points, and both political parties freshly honed axes to grind during the upcoming election season.

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Meanwhile, over in this other tiny corner of the Empire…

The Great State of Oklahoma decided back in 2008 it had had enough of AIDs. You know, Auto Insurance Deniers. AIDs believe it unconstitutional to force anyone to buy car insurance. 6 So, like any good State, OK decided to stomp out AIDs.

Therefore…47 O.S., Section 7-600.2, of Oklahoma HB 3115 created OCIVS: take that you hippie scum! Boo-ya! And with several rhetorical strokes of a notional pen, up to 200 real cameras were conveniently placed on the state’s highways. 7 And if a car doesn’t get fed into the system auto-magically, any OK statie can do it on-line from their cruiser.

So far the cameras have been something of a bust – it’s rather difficult to remotely scan bar codes on license plates. Not to worry though, Oklahoma! The Cousins may have our back.

Combining existing technology with the famous common sense that lost won them the Empire, the Brits have turned the non-insured-probably-drunk-driving-scofflaw into a stranded motorist:

Automatic number plate recognition (ANPR) cameras are already fitted in thousands of petrol station forecourts. Drivers can only fill their cars with fuel once the camera has captured and logged the vehicle’s number plate.

Currently the system is designed to deter motorists from driving off without paying for petrol. But under the new plans, the cameras will automatically cross-reference with the DVLA’s huge database. When a car is flagged as being uninsured or untaxed, the system will prevent the fuel pump being used on that vehicle.

No insurance, no petrol.

Dang! Don’t anyone tell Mayor Sly about this else there will only be 1 out of 10 black drivers on KC’s streets he’ll use it to raise even more revenue! 8

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It’s no secret that those who can’t afford car insurance don’t buy it.

Installing more (nanny state) cameras won’t help. 9 And, not surprisingly, states with higher poverty rates show a direct correlation in the corresponding rise in uninsured drivers.

Put another way: if your choice is food, shelter and clothing versus auto insurance, you don’t purchase insurance.

Which really doesn’t seem to make a difference, either in terms of safety or lower costs.

See, after half a century of auto insurance mandates, the insurance industry itself says the roads aren’t any safer or their products any cheaper. Mandates – at least in this particular industry – don’t work.

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So…

A. – Mandatory automobile insurance whose main impact –certainly not to the good– is on the poor. 10 With a future trending such as to make the Denver Boot look like a child’s prank.

B. – No (mandatory) health insurance, much less you know…basic coverage, for the poor.

That about sum it up?

Wake up, America.

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Show 10 footnotes

  1. For those of you who quit following along, here’s a really brief recap; SCOTUS will rule on these two major points: (1) Does Congress have the Constitutionally derived power to require Americans to obtain health insurance or pay a penalty; and (2) does the Anti-Injunction Act, which prohibits taxpayers from filing a lawsuit to challenge a tax until the tax goes into effect and they are required to pay it, prohibit a challenge to the Act’s provision requiring Americans to obtain health insurance or pay a penalty until after the provision goes into effect in 2014. We think SCOTUS will narrowly rule in favor of the ACA, though Roberts remains the wild card.
  2. Also being decided are Nat’l Federation of Independent Business v. Sebelius &
    Florida v. Department of Health and Human Services
  3. 5-4 vote, don’t you believe?
  4. Our 2 cents? We believe that all citizens should have health coverage à la the single-payer U.S. Government employee plan (though if you recall Clinton was wont to refer to it as the “Congressional plan.”) There is no reason why that could not be made universally available, as witnessed by scores of other advanced industrialized nations. Does Obama’s HCA achieve that? No. Not even close; Obama is no less immune to the Insurance lobby than any other politician. Would Obama’s health care plan be good for the country? Our opinion is yes, it has already been good for the country. Is that plan constitutional? Meh
  5. Erroneously, we think: federally mandatory car insurance would certainly be unconstitutional since driving privileges are granted by the States. Apples and kiwis, that.
  6. Regardless of how the Constitution itself reads.
  7. Of course to include the Will Rogers Turnpike! This is exactly the sort of government bureaucracy he was in favor of…nyuck nyuck nyuck.
  8. Though, seriously, how long would it be before QT and 7-11 petitioned for an exemption? Otherwise they would quickly become used car lots with no buyers…
  9. Hey…maybe we could use the existing red light cameras! (light bulb turns on in some clerk’s head downtown.)
  10. No, I didn’t say ‘minorities’.

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