🚀 go-pugleaf

Last week the State Assembly passed a no fault auto insurance bill, and it
will be up for vote in the State Senate.  A few years ago, Californians
made it clear they did not want expensive no-fault insurance, but our
legislators just don't seem to get the message.  The insurance companies
always promise lower rates, and that "this time its different", but each
time, the no-fault insurance states have the highest premiums.  That's
like saying this perputual motion machine is "different".  None of them
work. 

When I lived in Michigan, they were one of the first to adopt no-fault
insurance.  The insurance companies promised lower rates.  My rates
doubled overnight.  I pay $2200 a year for car insurance in Los Angeles,
with no tickets or accidents on my record.  I cannot afford $4400 for car 
insurance.

The insurance companies are always promising something, and not 
delivering on it.  They promised lower rates for anti-lock brakes.  My 
insurance company just eliminated the discount.  They said the accident 
statistics did not prove that anti-lock brakes reduced accidents.  While 
they were at it, they reduced the discounts for air bags, and automatic 
belts.  Again, the statistics did not bear out the claims they made while 
lobbying for regulation.

And what ever happened to our discount for seat belt laws?

If you are a good driver, you are really in trouble with no-fault.  Your 
rates can go nowhere but UP!  Those accidents that were not your fault, 
like somebody rear ending you, would be paid by YOUR insurance company.  
If your insurance company services a larger percentage of good drivers 
that the high risk companies, they are going to have to collect more 
money to pay for claims on not-at-fault accidents.  They are not going 
to be getting any money from the people causing the accidents.  This is  
just common sense.  

And when you complain that your rates are too high, and that you have
never caused an accident or even been in an accident, tough luck.  Their
response to you will be, "Under no-fault insurance, it doesn't matter if
you caused the accident.  We need the money, because we have to pay out
claims on all accidents."  I can hear it now. 

Let's not fall for these empty promises by the insurance companies.  What
they 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.

Call your state senator and demand no-fault auto insurance be voted 
out...like we did several years ago.

Michael Adams
-- 
                                             msadams@netcom.com