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There has to be some common sense involved here.

Are you so chock full of emotion that you cannot see straight?

Why should anyone buy car insurance, if all you have do is wait until you have an accident, then walk into State Farm with a check for $100 and demand them fix your car?

If you did this, then everyone else would too. The FD has bills that must be paid - like payments on that bright shiny new Fire Truck, the building and equipment. This is usually several million dollars worth of expenses that the country CAN NOT afford. These bills are due monthly, just like any other business. If no one pays the $75/yr; but opts to pay on an 'as-needed' basis; then the FD will not make the payments and go under.

And, instead of yelling at the FD, why no anger towards the idiot who has a $200,000 home and won't pay $75/yr to protect it against fire?

Are you so chock full of emotion that you cannot see straight?

I can see just fine and emotions have nothing to do with this. Pure logic and common sense.

Why should anyone buy car insurance, if all you have do is wait until you have an accident, then walk into State Farm with a check for $100 and demand them fix your car?

20-30% of this country still does not have car insurance. That is why we have uninsured motorist coverage.

If you did this, then everyone else would too.

Baloney. I have always had car insurance and do not care if anyone else does or not. It protects me, my family and my assets in case I cause an accident that hurts someone else. The car itself is the least reason I buy car insurance. It is to protect everything else.

And, instead of yelling at the FD, why no anger towards the idiot who has a $200,000 home and won't pay $75/yr to protect it against fire?

The guy did not pay the $75. Ok, he is a dumbass and should pay 10 times that. But the FD committed a much worse infraction. They allowed the pets to die, endangered the entire county by letting a fire burn that could have spread to the neighbors and well beyond that.

Fires are not car accidents. They are extremely dangerous and have killed millions. You see one that is completely uncontrolled, you put it out, and worry about the monetary part later. The entire cities of Chicago and San Francisco have burned to the ground. That is why you have firefighters, who spend 95% of their entire career not fighting fires, for the one ocassion that may save many lives. Their utter disregard for the possible consequences of not controlling that fire as soon as they could have has definitely put them into the Firefighters Hall of Shame.