🚀 go-pugleaf

In <msadamsDMupqu.374@netcom.com> msadams@netcom.com (Michael Adams)
writes: 

> What they (insurance companies) are doing is immoral, and the message
>of no-fault is immoral. It just reinforces bankrupt values where
>people don't have to take responsibility for anything they do.  That
>doesn't sound like an improvement to me.

Maybe I'm not the guy to get into this and, I swear, I don't want to
drawn into a rhetorical debate, but, this issue is so curious to me,
for some reason, I need to know more about it.

Re: morality - in your above description, it seems to me the *current*
liability system could be considered - more immoral - than the proposed
"no-fault" system.  I mean, currently, with the exception of posting a
bond (which nobody does), in order to satisfy the state financial
responsibility law, an individual driver in California must purchase
liability coverage.  In moral terms, a driver has to pay money for a
contract that shifts the responsibility for the negative consequences
of his actions to a third party.  I guess, pure morality would mean
that an individual takes full responsibilty for the consequences of his
actions and won't shift it to another party to deal with.

Now, the under no-fault proposal, it can be considered more moral
because the individual driver in California will be more responsible
for the consequences of his/her actions and for the actions of the
community as a whole.  No more blaming everything on everybody else. 
Maybe insurance companies are trying to get out of the morality
business.

It would not surprise me that taking full responsibility for the
consequences of our individual actions and the actions of our community
as a whole, may involve higher costs.  My reading of American history
is that we have been willing to pay the cost of responsiblity
(freedom).  Anyway, maybe, under "no-fault" the cost of responsibility
will be less than the current system of third party liability, because
the high cost of the blaming others.

These are tough issues, and I would like to be corrected if I missed
the mark here.

Regards,

Galen Hunter
http://www.hntr.com/paradigm/