Top Of My Head

Thoughts on everything from Politics to Video Games

Date: February 1, 2011

Wisconsinites: Call Your Senator – important Auto Insurance Vote Tomorrow…

I just found out about this, which is why I’m writing on a very important vote on such short notice.  The REPUBLICANS in the Wisconsin Senate want to return our car insurance minimums back to old levels.  They THINK this is a good idea, but like most things the Republicans in this state decide to do, it is a bad idea.

Yes, they will still require that all Wisconsinites carry Auto Insurance, but the minimums will be $25,000 per person and $50,000 per accident.  Now, I have always carried the current legal limit of $100,000 and $300,000, so my insurance after the change in the law did not go up.  However; Republicans are claiming that this caused premiums to go up to too high of levels for poor people – like they’ve ever given a damn about poor people before – and they want to drop the coverage.  Do you really think the insurance companies will drop the current premiums?  I’m betting not.

I don’t want to pay for someone else’s mistake.  I am a good driver and a safe driver.  I haven’t had a speeding ticket in years.  I can control my auto insurance premiums by continuing to be a safe driver.  In fact, the only raises I’ve paid was one for purchasing a newer car and an under $10.00 raise on my premium.  I want every one to have to carry enough insurance to cover hospital bills.  A night in the hospital can cost $5,000 – if it is a serious enough accident, you could spend a lot more – 5 nights in the hospital and the coverage from the person who caused the accident is gone.  You’re out of money and left with unpaid hospital bills and, most likely, no money from the work that you have missed.

This is what the Republicans think you deserve.  I’m betting you want that vote from November back now.

Call your Senator.  Click here to find out who it is.

I suggest you read these two articles to familiarize yourself with the changes the Republicans want to make.  If you don’t call, it’ll pass and you can kick your good coverage goodbye and show nothing for it.  My “favorite” part is this:

“Under this bill, when your spouse is hit and seriously injured by an underinsured driver, your insurance company will be “let off the hook” for not having to cover you for the full amount you thought you purchased. Insurance companies will be allowed to cleverly insert “reducing clause” language into the fine print; this will reduce their exposure for losses in spite of the fact that they’ve already collected premiums from consumers.” (see article here)

And, according to another article, Wisconsin still pays the fourth lowest amount for car insurance.

Thank you, know-nothing Republicans.  You wouldn’t know a good idea if it slapped you across the face!

Florida Court Health Care Ruling

Once again, Florida has managed to screw the entire country.  A Federal judge in Florida has ruled that the Health Care Law is unconstitutional, particularly the part about the mandatory coverage.  I don’t recall anything in the Constitution that states our Federal government cannot make Health Care a mandatory item.  In fact, our Constitution gives Congress the right to regulate commerce over state lines and internationally.  Insurance companies certainly work across state lines and now with globalization, I feel safe in saying that they work across international lines as well.

It is probably a safe bet that when the US Supreme Court eventually hears this case (after all of the appeals), they will most likely rule the way of Florida.  After all, these are the same people who ruled that Corporations are people and should have the same rights and privileges as we do.

I don’t believe that the Health Care law is unconstitutional.  I don’t believe that making insurance mandatory is anything more than common sense – something we’ve been lacking in this country for years.  By making it mandatory, you do two things: 1) You lower the price of everyone’s premiums.  The more people on an insurance plan, the less money paid per premium.  2) You protect the insurance companies.  Yes, I said protect the insurance companies.  I know plenty of people who wouldn’t buy insurance and then, when their seriously ill, run right out and purchase an insurance plan knowing that the insurance companies cannot turn them down because of a pre-existing condition.  Of course, with this ruling, that flies out the window.

I hope the small-minded and short-sighted states that brought this challenge into the Florida courts are satisfied.  They’ve, most likely, effectively killed Health Care in this country for a very long time.  There’s 45 million people who will not be able to have health care.  There’s millions of college kids who will not be able to stay on their parents’ plans until age 26.  And, now, my pre-existing condition won’t be covered.

Thanks for nothing.

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