Car insurance is socialism. Take the bait.

>>740439543
>Government mandated car insurance is socialism

Fixed that for you.

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>>740439543
>>740439573

Actually it's not. Because car insurance isn't about you but the person you might run over, dip.

>>740439723
It's not to repair your car if you have an accident?

>>740439543
those ladies are quiet attractive, doth thou hath any more akin?

>>740439573
Socialism is when the workers own and control the means of productions, it has nothing to do with what the government does or does not do

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>>740439803
They are. And yes.

>>740439783
there are actually two kinds of insurance
1st - you run over somebody or hit somebody/something and instead of paying fuckton of money, insurance company handles it - it's mandatory
2nd - you're run over by somebody, somebody does hit&run on you, destroys your property or similar - that's optional

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>>740439783

>It's not to repair your car if you have an accident?

No, it's not. It's primarily a liability insurance to make sure you can pay the damages you might cause to others.

>>740439876
thank you, kind sir.
may i trouble you to dump all youve got?

>>740439543
>I bought something I don't really need from a jew and it's communism because I say so

Fixed it for you

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>>740439954
jesus christ that pic. america is truly the land of the classcucks

>>740439723
Car insurance is to provide financial security and protection from liability concerns that may arise from a traffic accident.

You should be free to choose to take a higher risk by not having car insurance.

>>740439821
Socialism has everything to do with government involvement, because it is only through the use of governmental force that you can enforce such laws and regulations.

>>740439543

Is not. No one is forcing you to have a car.

>>740440076
some serfs are happy serving their lords

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>>740440016
Don't all the americucks say healthcare insurance is socialism?


> they took the bait

It's voluntary, thus not socialism. Next thread

>>740440076
>feels the world owes him everything so he can jerk off in moms basement all day care free
Look whos talking cuck

>>740440134
>because it is only through the use of governmental force that you can enforce such laws and regulations.
Not if the workers seize the workplaces themselves and organize self defense units. Protection of property and the MoP has everything to do with government though

>>740440167
oh yeah I forgot, it's voluntary.

>>740440149
ive noticed that unfortunately

>>740439543
Yes. I actually agree with that. I think car insurance should only be available FOR YOUR OWN CAR and not others.

They should instead mandate that you pay for the damages to others after they happen. It's a helluva jewish scam to pay 100+ bucks a month for liability insurance when you have had a perfectly clean traffic record for decades.

If people do not pay, then the government should garnish a portion of the wages until the damages to the other guys car/person are paid down.

And mandating people carry health insurance is the same bullshit.

They are a combo of socialism and crony capitalism, they basically make you subscribe to a service that you might never use, which is disgusting and absolutely NOT what America stands for.... but when big corporations run the politicians, this is what happens.

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>>740440134

>You should be free to choose to take a higher risk by not having car insurance.

It's about protecting the aggrieved party, you dingus. Because if you can't pay the damages that person is fucked.

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>>740440016
doing ok?

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>>740439543
>>740439876
>>740440156

>>740439543
I like those retro bushes and tan lines. moar.

Be me young poor fag

Buy a car for 1k
Car insurance is 3-5k in Ireland for first years


How is this fair
What is everyone here a rich fag

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>>740440243
This.
> But everyone still took the bait.

>>740440196
So mob justice is basically what you're advocating for?

>>740440243
If the aggrieved party wants to protect himself financially in case of accidents, he should get an insurance that covers it.

>>740440242
You obviously dont under stand how insurance works.
You just describe an insurance les societly where if you rear end someone you pay for their damages. But you fail to explain how your going to come up with the money to pay

>>740440179
>>Former marine
>>Got into military to go to college for pretty much free
>Anon is super super bad
>He comunist and cuck
>Anon is going to college for free!

Kek, nice projection and back to >>>/pol/

>>740440292

That kid is actually the biological father of Michael Jackson's children.

https://en.wikipedia.org/wiki/Mark_Lester

Just don't get a car

>>740440382
How is socialism mob justice? The workers created the wealth, it's only fair they get to decide what to do with it and how to organize their own labor.

>>740440335

>Car insurance is 3-5k in Ireland for first years

Bullshit.

>>740440335
GET THE FUCK OFF MY BOARD EUROCUCK! THIS IS AN AMERICAN BOARD FOR AMERICANS ONLY FUCKO! TRUMP SIGNED EXECUTIVE DECISIONS BANNING ILLEGAL CYBER IMMIGRATION! YOU CAN NO LONGER DANCE ACROSS OUR VIRTUAL BORDERS AND COMMIT ACTS OF IMMIGRATION TERRORISM! FUCK RIGHT THE HELL OFF BACK TO YOUR THIRD WORLD SHITHOLE COUNTRY'S CYBERSPACE AND STAY OFF AMERICAN WEBSITES!

>>740439723
So why does car insurance work that way, exactly?

You don't buy fire insurance in case you accidentally light someone else's house on fire

You don't buy flood insurance in case you accidentally flood someone else's house

You don't buy phone insurance in case you accidentally smash someone else's phone

Car insurance is government mandated because you buy it to protect others, but WHY do you buy it to protect others? Why don't people buy insurance to protect their own cars and if they choose not to then their car is unprotected in the event of a wreck?

>>740440503
They created the wealth using machines and equipment that doesn't belong to them. They get their fair share, it's called 'a salary'. If they aren't happy with it, they are free to seek other jobs.

>>740440543
Nice pasta, autismo.

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>>740439821
Tell me, anon, which country is actually ruled by "workers" whatever that means.

>>740440134
You have no choice, in any European state, whether or not you don't want health insurance, car insurance, taxing for public schooling - even though you're privately schooled and bills containing mandatory donations that aren't classified as tax, but are - in all intenst and purposes - taxes that aren't stipulated by law(yes, they exist). In the future we'll have mandatory bike, skateboard, those shitty hoverboards, and roller blade insurance.

Glad we agree, anon, that socialism is cancer.

>>740440503
And socialism is mob justice because it requires the use of force instead of mutual agreement as does capitalism.

>>740440382
Hence why there is underinsured/uninsured insurance faggot. You are still responsible for the damages though and if you have no insurance you still have to pay those damages out of pocket or risk being sued and even losing your license in some states

These women I wont fap to but would realistically marry one of.

fap to bimbo airhead teen bitches, marry a normal decent women for procreation imo

>>740440425
I did explain it. You pay after the accident. You shouldn't be financially punished for accidents that you don't have. Appraisers calculate the damages, the government mandates you pay X amounts, if needed your paychecks get garnaished and you pay a certain percentage of your wages until you've paid off the damages.

Insurance is optional, but if people choose to go that route they can. If you get into a wreck and cannot pay the damages you go to jail. Sure, most people probably can't pay off all the damages instantly, but it can come from a government pool that disburses to the damaged party and you basically pay the government back.

But it's scammy as fuck to be paying 2000ish a year for insurance that is never used. That's the cost of buying a shitty beater car paid every year

>>740439543
>>740439543
>>740440264
>>740440370


It really turns me off when they stare at each other like that.

>>740440543
Isn't america built up of us Europeans and Africans

You can prove me wrong if you want

Any form of socialism, no matter how mild is just the work of Hitler revisited. National Socialism has killed tens of millions, hang your head in shame Obomba.

>>740440607
Not anon, but wat? Are we really talking about socialism and not comunism? I know americans sometimes interchange both terms, but it is not reign of the masses.

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>>740439954
>former marine
>worked 60-70 hours a week for 8 years to pay my way through college

And I spent 4 years in the army which payed for my nursing degree thanks to the GI bill which also payed for my housing during college thanks to the monthly housing stipend of 900 dollars. I now make close to 40 dollars an hour.

>>740440565
>They created the wealth using machines and equipment that doesn't belong to them.
But it should belong to them, it was their labor that created the surplus capital that allowed the corporation to buy the machines in the first place. The only reason the tools don't belong to them is because the state defends the corporations property rights with force.

>>740440564
Because not everyone has the cash lying around to pay for the medical care of a person they just ran over. And that person deserves financial cover to protect them from the stupidity of others.

>>740440335
if you can't pay for you car requirements, you can't own a car anyways...

get fucked, eurocuck

>>740440503
>agree to do a job 40 hours a week for x amount of dollars.
>you and buddies decide this is not enough, demand more from company because you "create wealth"
Thats mob justice faggot. Lets spin it around
>you hire someone to cut your lawn
>pay them $30 a week
>they decide you dont pay them enought
>they get with the other lawn cutters and demand everyine have minimum of $50 per week and free use of the lawn for whatever they want when they want
Guess thats fair per you

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>>740440564

>So why does car insurance work that way, exactly?

It's a liability insurance, god damn it. It's to protect other people who you might cause harm or damage to so it's guaranteed you can pay what you owe them. It's not to protect you from bankruptcy, it's to protect innocent third parties from bankruptcy due to you being to stupid to drive.

>>740440776
You assume (as he lead you to from his poorly worded list) that his 8 years of 60-70 hours were IN the marines.

He was likely kicked out of the marines (dishonorably discharged) and due to his poor life choices he was only able to get a shitty job at a gas station, where he had to work 60-70 hours a week for 8 years to pay for a community college

>>740440606
>Tell me, anon, which country is actually ruled by "workers" whatever that means.
None because capitalism is the hegemonic economic system. Also the USSR was state capitalist so it only meant the state owned the MoP

>>740440607
But capitalism relies on the use of force, that's why we have a police force, private security and armies. Likewise was capitalism established through force by seizing the land held in common by the peasantry, forcing them to move into the cities

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>>740440776

>nursing degree

Faggot.

>>740440810
That doesn't make any sense. Your logic completely avoided the question I posed.

Not everyone has the cash lying around to pay for the medical care of a person they just shot, but we don't buy "gun insurance"

Not everyone has the cash lying around to pay for the medical care of a person they just stabbed, but we don't buy "knife insurance"

Instead the person who was shot/stabbed buys health insurance and has the opportunity, right, and responsibility to sue the person who caused them harm (physical and financial)

Same applies. If you run someone over their health insurance covers it and they sue you for running them over.

>>740440862
See the above

>>740440854
I mow my own lawn because I'm not a burgerlard

>>740439783
it's so you can repair my car if you cause an accident

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>>740440652
last one.

>>740440854
Are you retarded? All those scenarios are working through unions and they are only working if a company pays below the average. How the fuck did you now include unions? They are not socialism, socialism is a state taxing earnings. Fucking hell.

>hire someone to cut lawn
>pay them 30
>have 40.000 more people interested
>they want more
>Fire them and hire a new one for 30

Congrats you now saw how companies work. Hiring someone new only works, when you pay htem enough. Unions only work if you pay not enough.

There should be a law that mandates death penalty to the person of fault in car accidents.
Little extreme... Hear me out though
This would make people fear for their life each time they drive, which is only fair because you are putting others lives at risk when you're driving. It would also make people better drivers, it would cut down on the population a little bit, increase the number of anatomical gifts and eventually everyone left would be good drivers and there wouldn't be a need for insurance.

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>>740439543
Car insurance is mutualism . Free car insurance for the poor is socialism; not that there's anything wrong with that!

>>740440606
Yes, socialism is terrible.

And yes, taxes that aren't stipulated by law exist. You don't even have to look at things like security issues in cars etc. Just look at inflation.

>>740440609
I have no problem with that.

>>740440715
I'm not American, I'm living in Sweden.

Yes, socialism requires governmental force to enforce their policies, policies that invariably limit our freedom.

Just look at how things are going in Venezuela.

>>740440789
No, it should not.

They didn't spend their own money to purchase the land and equipment, they didn't take any risks.

And can you name a single country where you don't have the right to private property that you would like to live in?

>>740440564
Their home owners may cover it but you also may be on the hook depending on how you burn or flood it. You probably should get unbrella insurance if your that much of an idiot. Phones are cheap enough insurnace isnt worth it. And car insurance is different because people fucking hit eachother all the time and the cause of the accident is always responsible

>>740441145
It would probably cause people to be extremely nervous at the wheel, causing more accidents and industrial scale killings. I know this is a funposting thread but this is the worst idea I've ever read online

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>>740441145
I like this.

>>740439543
>All insurance is socialism.
Fixed. You break it you pay for it.

>>740441213
>not that there's anything wrong with that
>not anything wrong with socialism

Seriously, kid, GTFO. this is a board for the grown up mans...

>>740441340
Yes, but we're Ameripoors. So then what?

>>740439543
>Car insurance is socialism
Insurance is a perfect example of free market capitalism because It costs less when you don't claim. Socialist insurance would be the opposite.

>>740441264
>They didn't spend their own money to purchase the land and equipment, they didn't take any risks.
But the corporations money was gained through exploitation, it shouldn't have belonged to them in the first place.

>>740440640
So you want to be on the hook for that 100k accidnet you cause? You dont understand how insurance works do you faggot. How long do you propose they give you to pay 100k? 1 year? 10 years? 50 years? Why shoukd the people you hit have to wait for you to come up with the money?

Hitler was a Socialist, that's reason enough to hate it.

>>740440640
>Hurr durr hurr insurance is a scsm
>to pay a small fee to know if something where to happen i wont have to pay out of pocket
>hurr durr hurr

>>740440977
You have a police force and law and order to make sure that your rights aren't violated by other people in, and the ensure everyone the right to pursue life, liberty and happiness.

There is not a single corporation that can get your money by force - only the government can do that.

And historically, all the countries that have adopted a free market and relatively free trade, have been the ones where the masses have risen from poverty like nowhere else.

>>740440993

Except the probability of one of those happening outweighs the other two by a few factors.

>>740441264
>I'm not American, I'm living in Sweden.
O-oh, ok. What? Sweden is the most socialist country and it is working great for them except some >>>/pol/ memes. And venezuela is comunist.

>Yes, socialism requires governmental force to enforce their policies, policies that invariably limit our freedom.
Just like crimes in capitalist or monarchist systems are, duh. I rather pay 10% of my tax and be safe my whole life if I get fired or need to go to doc.

>>740441385
>Jews run everything
>Elect Trump
>Blame Mexico
>???
>Profit

>>740440264
righteous bush

>>740441404
Your idea that the economy is a zero-sum game where if one man benefits, the other must lose is simply false. In a free market society, both parties are the winners.

Or can you tell me how many poor people you have worked for?

>>740440789
Let me guess you live in your moms basement

>>740441279
First you said "their home owners insurance may cover it" -- this is exactly the point I was making, that they should buy car insurance to cover THEIR OWN car and not to protect others

Next, you said "you may be on the hook" -- this is also exactly what I said (that they can and should sue you)

You then proved the validity of my point by saying that you don't value phone insurance, so you don't buy it. Yet whether or not you value your car you're forced to buy car insurance.

Then you ignore everything you just said and radically change your point of view to say "well car insurance is necessary because cars are dangerous". Skydiving is dangerous but we don't force parachute manufacturers to buy skydiver insurance. When people engage in risky activity they CHOOSE whether or not they want to be protected.

Car insurance was deliberately invented with this backwards mentality that drivers should pay for the people they hit, which flies in the face of every other industry where the people they hit sue the driver (or the people they stab sue the stabber or they people they shoot sue the shooter or the people they criminally neglect sue the care taker)

It was intentionally invented backwards in order to justify making it a legal requirement, because when you legally HAVE to buy something they don't have to be competitive or improve their product. They can charge whatever they want for shitty product and they're still guaranteed to get buyers

Now here's the real kicker: let's say you're a good, honest, upstanding citizen who pays your $150 monthly for car insurance and always follows the rules of the road. Now some dumbass who barely speaks English and has no insurance runs a red light and hits you. Are you protected? No? Because HE wasn't paying, even though you were?

In what world can you pay money for a service and not obtain any value from that service? Oh, yeah -- one where they charge you additional fees or both uninsured AND underinsured motorists.

>>740440606
>>740441264
>socialism is terrible
>scandinavian countries are all in top 5 countries by living standards

socialism sure seems to ruin countries ey?

>>740441538
>In a free market society, both parties are the winners.
But that's not true. A simple look around will tell you otherwise.

>>740441456
>And historically, all the countries that have adopted a free market and relatively free trade, have been the ones where the masses have risen from poverty like nowhere else.
You mean like China and the Soviet Union?

>>740441499
There isn't a single country that is pure socialist or pure capitalist. They are all hybrids, to varying degrees.

Sweden isn't a socialist country, we are primarily a capitalist country. We have a market economy and an even less regulated financial market than in the States.

We have taken, and are continuing to do so, steps to become more socialized. And that is also why eveything has started to become worse by the decade since the 60's when we started taking to deviate from the free market idea.

>>740441499
What crimes are you talking about?

And considering how I pay some of the highest taxes in the world, why is safety a growing concern over here? Not to mention the ability to actually get to see a doctor (waiting lines go on forever), there's been a major housing shortage for the past 10 years now, education has dropped dramatically etc.

Thank you government, for ruining everything.

>>740441730
China is booming because it embraced SOME free market policies. The Soviet Union collapsed under the weight of it's planned economy, but not before killing a couple-ten million in famines.

>>740440242
In some countries without car insurance if you hit and injure someone permanently you are responsible for their medical care the rest of yours and their life. The costs are staggering, so when someone hits a person on accident in that said country, they keep hitting them until they are dead, cause it is cheaper to kill them and just pay for a funeral. Look it up.

>>740440243
And so are you cause they can sue you personally for those damages. It protects both parties

>>740441785
Living standards and equality in both China and Societ have plummeted since they gave in to "free" market economies. The ones who starved in the early years of industrialization are few compared to how many starve under capitalism.

>>740441602
They became great because of capitalism and industrialization.

You really should read 'Scandinavian unexceptionalism'.

>>740441630
Sure, take a look.

In what countries that have adopted capitalism have the masses not risen to levels of wealth the people in socialist countries can't even dream of?

How did Hong Kong rise to become an economic power?

How did Singapore turn from a backwater shithole to one of the wealthies nations in the world in just 50 years, after having adopted a free and almost completely unregulated market?

And one of you talked about how capitalism is built upon exploitation, slavery etc. Did Singapore have slaves when it introduced capitalism? Has China had any slaves since the Meiji restoration time?

>>740441961
You learn something new every day.

Today I learned there are actual retard who believe this sort of nonsense.

>>740440382
Mob justice is democracy. 51% control and make decisions for the other 49%.

>>740439723
It is for you. If you drive into a tree, your insurance pays for a new car.

>>740440242
Dumb idea in the first sentence.

Mandating car insurance is to protect OTHERS. That's why it is required in case you fuck up and hit them. Protecting yourself is optional and not required.

Health insurance covers YOU. No one else is affected or protected by this coverage or lack of coverage. Obamacare initially had the mandate to require you purchase health insurance and I agree this is bullshit.

>>740441730
I already mentioned Hong Kong.

Mainland China that didn't choose to go that way is complete and utter shit as compared to Hong Kong. If you really want to see how people think of these systems, look at how they vote with their feet. It was the exact same thing in Germany when they still had a wall.

And the soviet union was a planned economy, the very opposite of a free market economy, so I don't really understand why you're bringing that up.

If i pay £1000 for a year of insurance, and i have no accidents, no claims, no incidents

What the fuck did i just spend £1000 on?

>>740442086

I have more money than you do.

>>740442023
It's true though, under capitalism, people starve even when the economy is booming. Just look at India, half their childhood deaths are attributed to malnutrition, which makes it about 3 million deaths a year. And that's just one capitalist country
http://m.huffpost.com/us/entry/1517098

>>740441405
He obviously is talking about coverage. Self insured coverage. Huge financial risk there.

>>740440776
>which payed
>payed
kys

>>740441961
>he ones who starved in the early years of industrialization are few compared to how many starve under capitalism

Hahahahaha

Alright, I think it's time for me to quit.

>>740439573
/Thread

>>740440564
>You don't buy fire insurance in case you accidentally light someone else's house on fire
It's not your house, it's the banks until you pay it off, so realistically it's someone else's house. Just like private mortgage insurance. Bank is protected if I default on my loan.

You choose to have phone insurance. The amounts you are talking about are apples and oranges. Someone can sue you for breaking their phone but if they have the insurance they might not. It's not going to ruin your life if you have to pay for someone's phone you broke.

>>740442135
I pay £240 full comp with 7 years no claims. Switch insurance provider.

>>740442182
And how were things in India before they started taking steps to modernize their economy and becoming more free?

Oh, and:

>Huffingtonpost

Major LOL.

>>740439954
Americans are so gullible people.

>>740441563
Your ARE protected if you have under insured/ uninsured moron. Thst insurance is only needed for idiots like yourself who dont feel lkke having insurance. Also if you dont require the cause of the accident to take responsibily, you create a system where the shit drivers can just drive around hit something and have no liability whats so ever. But the victums insurnce rates then go up because someone hit their parked car. Also i said may cover and may be on the hook because it depends on the situation, if you lught your house in fire on purpose insurance wont cover it. If yoh bhrn your house down because your running a business in your house and do t get busniess insurnace they wont cover it. There are numerous stipulations to your insurance to prevent fraud and if tou want to save a buck you csn get less coverage. You use skydyving as an example. Well the comoany that does the skydiving does HAVE insursnce. You pay then x amount to skydive this includes the portion of insurance. Saying that government doesnt require isnurance for that is a strawman. The risks are completely differnet and people dont cause damge to innocent peoples property by the thousands on a daily basis. Your srgument for no cometition is also false. You basically claim there is no competion between insursnce companies but yet you call around and can get all kinds of raates from diffenrent companies.

>>740442273

You missed the point

>>740442135
You paid for the protection in case something happened. That's what you bought. Protection. Not having an accident is not the measurement of whether it was worth buying. Try harder.

>>740442317
Under this guy's (not you I'm responding to) logic, India was in its prime under imperialism.

Let's bring back imperialism. Fuck the weak, be my bitch

>>740439803
>doth thou hath any more akin?

don't do that shit dude. i cringed so hard it hurt. it physically hurt.

>>740441782
>There isn't a single country that is pure socialist or pure capitalist. They are all hybrids, to varying degrees.
Never said anything contrary.

>Sweden isn't a socialist country, we are primarily a capitalist country. We have a market economy and an even less regulated financial market than in the States.
You have a whole wikipedia article on your heavy socialism. Regulation=/=socialism
https://en.wikipedia.org/wiki/Nordic_model

>We have taken, and are continuing to do so, steps to become more socialized.
Fucken hell, I am drunk, but did you smoke or drink too? Socialized is a term used for comunism. If I wanted I could now ignore everything after that point, sicne our initial argument was socialism=/=comunism

>And that is also why eveything has started to become worse by the decade since the 60's when we started taking to deviate from the free market idea.
I really don't care how living there was 60 years ago. I am measuring with modern numbers.

>What crimes are you talking about?
Every crime. Even completely capitalist or right countries have to enforce their policies. If you want a country not enforcing it, you have to hope for anarchy.

>And considering how I pay some of the highest taxes in the world, why is safety a growing concern over here?
Budget =/= spending.

>Not to mention the ability to actually get to see a doctor (waiting lines go on forever), there's been a major housing shortage for the past 10 years now, education has dropped dramatically etc.
Are you really from sweden? It is a meme here, created by americans. If I want I can get surgery within 2 days, if it is life threatening, right away. Only if it is not life threatening and you want the best trained specialists in the field, you have to wait for two weeks minimum. But in burgerland you would have to pay them 200k+.

>Thank you government, for ruining everything.
And thank you for streets, laws, social net, police, doctors, firemen. Also thank you europa.

>>740442010
i think you'll find that they are great to live in because they alle employ the nordic model.
socialism and capitalism are not mutually exclusive and saying that socialism innenof itself is bad is just plain wrong.

>>740442317
>>740442405
How about this wild thought, both colonial and capitalist exploitation are bad
>modernize their economy and becoming more free
Christ are you a human being or a bot spewing liberal slogans?

>>740441213
Oh so I pay for everyone's car insurance cause I'm middle class. The poor don't pay and gets it for free. The rich can afford to have it and pays hardly anything and I have to pay the most and get the least. That's fair. Sound familiar?

>>740442411
>gotta pay 200k in the usa

That's if you have insurance. And that's not what they will pay. Insurance is basically a haggling service with a hospital selling A single q-tip for 3 usd hoping they don't notice.

Fun fact, there used to be a non insurance agency you could call in the 70s to haggle on your behalf so you didn't have huge bills. Guess with big nosed business got them shut down?

>>740442418
>>740442492
The sheer amount of stupidity is amazing.

I hope you both move to your socialist paradise in Venezuela. I think you'd like it there.

>>740442072
Nope. You can decide not to pay for collision. So if you don't have collision you are fucked out of a car. But your liability will pay for the property owners tree if it's damaged.

>>740442535
The poor don't get car insurance for free....

>>740442690
>out of arguments
>buuhh move to somalia/venezuela/north korea if you don't like being exploited!!!!

>>740442378
Why do I pay $150 a month for insurance then I'm ONLY protected if I pay an additional $50 for this extra service, when the other person not only caused the accident but broke the law?

And regarding competition, you seem to operate on a very low level where you think price is literally the only thing you can compete on. This is just sophomoric. Competing on price is a good way to end a business. Apple doesn't compete on price but they make billions of dollars, because they compete on aesthetics and design. Insurance companies COULD choose to offer better services, but why bother?

And they don't even really compete on price. Every insurance company I've spoken to uses a third-party firm for determining market risk and setting prices. I've called four different companies (Geico, AllState, State Farm, and Progressive) and gotten roughly the same rate (plus or minutes 5 percent). Yet if you do the math on that rate they make out like bandits. I'm charged $900 every 6 months for a car that costs $3000. If I don't get into a wreck for 1.5 years then I've paid the full value of my car in premiums. I haven't wrecked in the last 5 years, so why am I still paying? I've spent more on insurance than on my car.

Had I not been insured, but had I put those premiums into a savings account every month instead of paying it to a for-profit company, then if someone hit my car I could just buy a new one.

Implying that people can't afford to replace their stuff if they don't buy insurance is broken window fallacy.

>>740442690
i currently live in norway and i vote for our leading party which is socialist democratic thank you very much.
it feels good to be among the top 5 best countries to live in.

How will the jews convince us that self driving cars need insurance?

>>740442617
Was a hyperbole showing the difference, because he is most likely not from europe.

Didn't know the second line. Have sauce to name?

>>740442772
You're a fucking retard.

Your insurance covers THE OTHER PERSON'S CAR.

You are paying $1800 a year so that when your dumb ass is texting and driving and hit a BMW, your insurance will pay for THEIR car.

>>740442492
>Christ are you a human being or a bot spewing marxist shit?

How's that for an argument?

>>740442779
>Norway
>Not rich because of oil

Good one!

>>740442739
The poor gets free health insurance

>>740442828
I actually have a book dedicated to the subject. I am not worried about the thread dying so I'll go find the title and perhaps a picture for you

>>740442739
It's hypothetical

>>740442390
£20 a month to get a free windscreen if it cracks, a new car/repair if i crash it and a courtesy car so i can get to work. That is what i pay for.

>>740442901
Are you trying to draw a comparison between car insurance and health insurance? Because it doesn't work.

Car insurance protects others, health insurance protects the buyer.

>>740442874
>not rich because of oil
what of it?
we still use a social democratic model.
that's why we're not america 2.

>>740442978
No socialized car insurance and health insurance

>>740442874
>How's that for an argument?
The difference is I use actual arguments and talk about the practical implications of socialism rather than just calling it """freedom and modernization"""

>>740443047
It still doesn't work, though.

Unless you want to change the way car insurance works.

>>740442978
But my part of the payment on health insurance is to pay for others. The poor who don't pay anything and the rich who don't pay enough.

Once a yr them fur bearing mammals shave that snap and weave baskets they sell to neighboring islands

>>740443121
You clearly don't know how car insurance works. You pay insurance to pay for your mistakes, not some random guy's car across the country.

>>740443114
No, I was trying to explain to someone why it wouldn't work

>>740439783
You're required by law to get liability to protect everyone else. If you have a lien on your vehicle the lender requires you to get comprehensive to protect its asset. You could get full insurance if you want to protect your own vehicle; ie. you bang into tree, smash the undercarriage in a ditch, etc. But if you own the car free and clear and it's a beater almost all people just have liability.

>>740443188
I have car insurance and understand clearly how it works. I think you haven't been following the concvo

Insurance is a fucking ripoff
By the time they take the deductible and depreciate youre fucked. With standard liability which only covers 10 grand in damage you plow into a 60k. vehicle you still gun get sued

>>740443239
Convo* I was trying to make a comparison of how it doesn't work and why

>>740439954
>works 60-70 hours a week for 8 years to pay for some shitty degree
>college and university is free in most European countries
>Post secondary education was even free in Iraq
>Uhmurka rules

Kek what a dumb ass. He should've died doing what he was supposed to, being cannon fodder.

>>740439543
>>740439876
>>740440156
>>740440264
>>740440370
>>740441051

I would put both of them in a position where my mouth would be in the middle of their 2 pussies. I would lick them for hours. They would take turns in orgasm. They could piss on me, whatever.

>Marine = Dumbass

>>740443423
KYS grandpa

>>740439543
>having enough credit to purchase a car
Credit is socialism.

>>740439543
saved

>>740441961
Care to support your bullshit? Living standards have skyrocketed in China.

>>740439543
names??

>>740442182
India, along with China, are two countries that have only recently adopted some free market policies, and both countries are experiencing extreme growth across the board. They are still currently shitholes, but they are far less shitty than two or three decades ago. You are a fool, sir.

>>740439543
https://discord
======
.gg/g4Ad8ss

>>740441264
>No, it should not.

>They didn't spend their own money to purchase the land and equipment, they didn't take any risks.


THIS!

The issue is that most business owners no what it is to work for a wage, but most wage eartners have no idea what it is to own a business. Protip: it is not a licence to print money; you've never known what it is to risk money to chase more money, to invest in machines and capital equiptment which could make you profit, but may not, leaving you in debt.

If your company goes out of business, at worst you lose a job and have to walk away. Your boss on the other hand, is on the hook to the bank for all that equiptment that that imbecile thinks that the workers should own.

>>740443849
As in the names they used in the 1970's during the photo shoot for whatever gas station wank mag this is?

File: unnamed.jpg (17KB, 400x225px) Image search: [Google]

17KB, 400x225px

>>740443423
Presuming you could find their pussies...that is some mean bush

>>740444141
that is basically what I meant yes

>>740444007
>but most wage eartners have no idea what it is to own a business
Kek, anon. And you do neither own a company. I do and for the reason of bankruptcy are united states corporate laws with different corporation systems.