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DenverChief 05-21-2007 07:51 AM

Quote:

Originally Posted by Mr. Carlson the Bugeater
Shit happens, that's why we all have insurance, but at the same time it would benefit us all to keep losses to a minimum.


so use a condom, wear a life vest, buy studded snow tires (car accidents in the wintertime can be prevented more often than not with the proper use of winter tires) brush your teeth twice a day...it is just frikkin riduculous

Saulbadguy 05-21-2007 07:53 AM

Quote:

Originally Posted by DenverChief
No I hate the government deciding what is best for me...if you are too dumb to wear your seatbelt you deserve what you get...if you want the government to micro-manage your life then so be it but I prefer a hands of approach....like I said where do you draw the line? Condoms? How much money could be saved by the Insurance companies each year if everyone used condoms and stopped the spread of HIV, Hep A, Hep B, Hep C, Ghonnoreah, Clamydia, Herpes, HPV, Syphillis, Genital Warts ETC ETC ETC

How much money could be saved each year by the insurance companies if people didn't get sports injuries?? OMG BAN FOOTBALL!!

I don't consider it micromanaging when the governments wants me to do something as simple as put on a ****ing seatbelt.

Saulbadguy 05-21-2007 07:54 AM

Quote:

Originally Posted by DenverChief
so use a condom, wear a life vest, buy studded snow tires (car accidents in the wintertime can be prevented more often than not with the proper use of winter tires) brush your teeth twice a day...it is just frikkin riduculous

Newsflash: The government does spend a significant amount of money encouraging the use of condoms.

Mr. Kotter 05-21-2007 07:54 AM

Quote:

Originally Posted by DenverChief
...but having the govt force me to when I see it as a choice is overly irritating to me...

Quote:

Originally Posted by DenverChief
...No I hate the government deciding what is best ...

Quote:

Originally Posted by DenverChief
...if you want the government to micro-manage your life then so be it but I prefer a hands off approach....

Interesting. VERY interesting...

I know what you mean... :hmmm:

Bugeater 05-21-2007 07:55 AM

Quote:

Originally Posted by DenverChief
But they do it anyway because #1 you are still most likely going to be hurt and #2 you still jacked up someone elses property...say you were driving you new H3 hummer and slam into a Mini Cooper @ 40 MPH which sends him flying into the front doors at 7-11 the insurance company pays out $1 million in just property damage to repair and replace what you jacked up you will most likely NEVER pay that much in CAR insurance in your life...then what happens if the guy in the Mini Cooper was wearing his seatbelt but you jacked him good he is in a coma in ICU for 5 weeks at $75,000 a day!!!! OMG ...like I said it is pouring a shot glass of water on a house fire

Post #58. While there are exceptions, whan it comes to major traffic accidents, generally medical expenses far outweigh property damage expenses.

Quote:

Originally Posted by DenverChief
how much you think the insurance companies pay out in damages when there is a car chase in LA?

Again, I don't know what that has to do with what we're talking about.

DenverChief 05-21-2007 07:55 AM

Quote:

Originally Posted by Mr. Carlson the Bugeater
Wow, you're totally missing the point, and I'm running out of ways to make it. It's NOT about saving the insurance companies money, it's about saving ME money. They base their rates on what they have to pay out, therefore the less they have to pay out THE LESS THEY HAVE TO CHARGE ME.


and that is the point I'm making if your don't want your medical insurance rates go up then get legislation passed to prevent unsafe sex...that is the point it costs them money (I pay a $15 co-pay and the DR charges the Insurance company $300 for my visit all because I stoinked a girl/guy without using a condom and got herpes) and now I have to go to the DR every week for a checkup WTF over? you don't think that gets passed on to you? if me being a dumbass and not wearing my seatbelt and requires me regular DR visits or even a one time emergency visit how is that different?

Bugeater 05-21-2007 07:59 AM

Quote:

Originally Posted by DenverChief
and that is the point I'm making if your don't want your medical insurance rates go up then get legislation passed to prevent unsafe sex...that is the point it costs them money (I pay a $15 co-pay and the DR charges the Insurance company $300 for my visit all because I stoinked a girl/guy without using a condom and got herpes) and now I have to go to the DR every week for a checkup WTF over? you don't think that gets passed on to you? if me being a dumbass and not wearing my seatbelt and requires me regular DR visits or even a one time emergency visit how is that different?

It's not different, I addressed that a bunch of posts ago. Maybe you'd better get some sleep. :)

DenverChief 05-21-2007 08:01 AM

Quote:

Originally Posted by Mr. Carlson the Bugeater
Post #58. While there are exceptions, whan it comes to major traffic accidents, generally medical expenses far outweigh property damage expenses.


Again, I don't know what that has to do with what we're talking about.


Dude it comes back to the insurance company paying out more than what you pay in therefore raising everyones rates...that is what we are talking about behind this whole big stink about making wearing seatbelts a law...because it saves you money (because they pay property damage and medical expenses that far outweigh what you pay in) So here we are again medical expenses period for whatever reason be it STD's, near drowning and or actually drowning if they are successful at revival, injuries from participating in sporting activites WHATEVER are expensive and the buck is passed on to everyone if what they pay outweighs what you pay in

In the same vein the buck gets passed on to you in property damage so should we require snow tires in the winter to reduce the likelyhood of a major accident? When are they going to install seatbelts on a motorcycle?

DenverChief 05-21-2007 08:02 AM

Quote:

Originally Posted by Saulbadguy
Newsflash: The government does spend a significant amount of money encouraging the use of condoms.

Is it a law? Why can't they "encourage" me to wear a seatbelt?

DenverChief 05-21-2007 08:03 AM

Quote:

Originally Posted by Saulbadguy
I don't consider it micromanaging when the governments wants me to do something as simple as put on a ****ing condom.


FYP

DenverChief 05-21-2007 08:05 AM

BTW I just got done clearing a abandoned building so I'm a bit still wound up to sleep :)

ROYC75 05-21-2007 08:05 AM

Damn, talk about a bunch of crying pussies on here today ?

Cops are like referees, they can do no right. If they enforce the law as it is written, they are dicks, to some if they pull you over, they are dicks. PIGS, crummy rotten PIGS !

Does the law tell the cop to use his discretion ? Is he suppose to judge your violation on your intent ? Do referees do this in football ? Again,a cop can do no right, it's a no win situation to most of you if you get pulled over for a violation , because of your intent not to commit the violation.

As a former cop, it's tought to serve and protect and keep everybody happy, Bottom line is you can't. If it was a minor violation and I gave a warning, the violator was pissed I pulled them over. Most were happy they got a warning. To the ones I deemed that recieved a ticket, I always told the violator that I am not the judge, take it up with him.

As a person that has lived on both sides of this, it's not easy being a cop. I have recieved tickets that I deserved after my years as a police officer. FTR, I have not had one for 15 years now.....

My insurance company rewards me for a clean record too !

Bugeater 05-21-2007 08:06 AM

Quote:

Originally Posted by DenverChief
Dude it comes back to the insurance company paying out more than what you pay in therefore raising everyones rates...that is what we are talking about behind this whole big stink about making wearing seatbelts a law...because it saves you money (because they pay property damage and medical expenses that far outweigh what you pay in) So here we are again medical expenses period for whatever reason be it STD's, near drowning and or actually drowning if they are successful at revival, injuries from participating in sporting activites WHATEVER are expensive and the buck is passed on to everyone if what they pay outweighs what you pay in

In the same vein the buck gets passed on to you in property damage so should we require snow tires in the winter to reduce the likelyhood of a major accident? When are they going to install seatbelts on a motorcycle?

And again, you can't prevent everything, that's why we have insurance in the first place. But we're talking about a simple click of the seatbelt that all vehicles are equipped with, that potentially could save thousands of dollars of medical expenses. I just don't see why that is asking so much.

Bugeater 05-21-2007 08:10 AM

Quote:

Originally Posted by DenverChief
Is it a law? Why can't they "encourage" me to wear a seatbelt?

Because there are a large number of thick-headed mouth breathers out there that either don't understand why they should do it, or just plain don't give a shit. Why should the responsible people have to help pay for them?

Hydrae 05-21-2007 08:25 AM

Quote:

Originally Posted by Mr. Carlson the Bugeater
And again, you can't prevent everything, that's why we have insurance in the first place. But we're talking about a simple click of the seatbelt that all vehicles are equipped with, that potentially could save thousands of dollars of medical expenses. I just don't see why that is asking so much.


Just in sticking to motorized vehicles and the medical costs associated with accidents, may I recommend we outlaw motorcycles then?


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