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'Inside Washington' Host: Why is it Constitutional to Force People to Buy Car Insurance
Newsbusters ^ | 12/18/10 | Noel Sheppard

Posted on 12/18/2010 8:03:56 PM PST by Nachum

Gordon Peterson on Friday asked either a staggeringly ignorant or intentionally provocative question.

On the most recent installment of PBS's "Inside Washington," the host queried his guests, "Why is it constitutional to require Americans to buy automobile insurance but un-Constitutional to force them to buy health insurance?" (video follows with transcript and commentary): ---

GORDON PETERSON, HOST: That’s Ken Cuccinelli. He’s the attorney general of Virginia. He brought the challenge to ObamaCare. The federal court and judge Henry Hudson of Virginia ruled it’s un-Constitutional to force Americans to buy health insurance, as the law mandates. Why is it constitutional to require Americans to buy automobile insurance but un-Constitutional to force them to buy health insurance?

(Excerpt) Read more at newsbusters.org ...


TOPICS: News/Current Events
KEYWORDS: constitutional; host; inside; washington
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'Inside Washington' Host: Why is it Constitutional to Force People to Buy Car Insurance But Not Health Insurance?
1 posted on 12/18/2010 8:04:02 PM PST by Nachum
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To: Nachum

Because driving is a choice in itself.


2 posted on 12/18/2010 8:05:58 PM PST by cripplecreek (Remember the River Raisin! (look it up))
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To: Nachum

because it is liability insurance for the liability that you assume in driving on public roads.


3 posted on 12/18/2010 8:07:19 PM PST by VRWCmember
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To: Nachum
Why is it Constitutional to Force People to Buy Car Insurance

Unfathomable, unplumbed, bottomless, yawning chasm of ignorance. Car insurance is protection of others from your actions--what normal people call "liability". Health "insurance" has NOTHING to do with liability; it is a bunch of people paying into a collective money pool, hoping that not too many of them drain too much money out of it by being sick so their premiums don't go up.

4 posted on 12/18/2010 8:08:49 PM PST by backwoods-engineer (Onward to the battle royal!)
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To: Nachum

If I’m some rich Hollywood jerkweed and I own a multi-square mile in ranch in Montana, have a car that I drive only on my ranch and never on a public road, do I need to buy car insurance for it?


5 posted on 12/18/2010 8:09:47 PM PST by Stosh
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To: Nachum

They don’t. They only require care owners to have it. Duhhhhhhh


6 posted on 12/18/2010 8:10:37 PM PST by Rippin
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To: Nachum

They don’t. They only require care owners to have it. Duhhhhhhh


7 posted on 12/18/2010 8:10:46 PM PST by Rippin
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To: Nachum

Because you are insuring against liability when you buy car insurance. There is no liability if you get sick, your disease cant hurt me, well not if it is communicable. HIV insurance anyone?


8 posted on 12/18/2010 8:11:07 PM PST by central_va (I won't be reconstructed, and I do not give a damn.)
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To: Nachum

This is a question that a fifth grader would ask. Everyone older than that would already know the answer to this question.


9 posted on 12/18/2010 8:11:45 PM PST by FlingWingFlyer (Merry Christmas to all of my FReeper FRiends!)
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To: Nachum

The federal government does not require anyone to buy car insurance. The mandate comes from the states.

The states have broad “police powers” to protect the health, safety, welfare and morals of their citizens. The feds do not enjoy the same powers—absent an issue such as interstate commerce.

I hope I got this right. I’m not a lawyer by a longshot.


10 posted on 12/18/2010 8:11:51 PM PST by freespirited (This tagline dedicated to the memory of John Armor, a/k/a Congressman Billybob.)
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To: cripplecreek

The only way to opt out of Obamacare is via a hearse or election to Congress.


11 posted on 12/18/2010 8:11:51 PM PST by vbmoneyspender
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To: Nachum

Because driving endangers others, and automobile insurance covers what I might do to them. I’m not required to buy insurance to protect myself.

Health insurance, on the other hand, is for my protection.

The government has no right to tell me that I can’t take risks with my own safety, but it can require that I not risk the safety of others.


12 posted on 12/18/2010 8:11:51 PM PST by Jedidah
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To: Nachum

1) The feds dont force you to do so.

2) You dont have a “right” to operate a motor vehicle on public roads.


13 posted on 12/18/2010 8:12:39 PM PST by VanDeKoik (1 million in stimulus dollars paid for this tagline!)
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To: backwoods-engineer

If I buy car insurance, it assures me my car will be intact (or even replaced) if it is destroyed. Health insurance is really a bad name for a method of paying for health care treatment. Otherwise, no matter what happens to my body, I am assured wellness, health, and life. That’s one problem with Obamacare - he thinks doctors should warranty their work, so if you have to go back to the hospital, it will be “free” since the doctor obviously screwed up. It is an art not a science. You can’t trade in your body under “lemon law” legislation, although I guess they’ll try that next....


14 posted on 12/18/2010 8:14:29 PM PST by SERKIT (We need more of Barry's "Wet Diaper" news conferences. He gets smaller and smaller each time.....)
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To: Nachum

PETERSON! If your state mandates it, it is law.

The FED GOV cannot.

Stupid SH1t


15 posted on 12/18/2010 8:14:56 PM PST by Jet Jaguar (WE'RE SCREWED '08)
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To: Stosh

You shouldn’t have to in that situation in my opinion.


16 posted on 12/18/2010 8:16:10 PM PST by cripplecreek (Remember the River Raisin! (look it up))
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To: cripplecreek

And because it is the STATE that requires you to have insurance.


17 posted on 12/18/2010 8:17:51 PM PST by Blood of Tyrants (Islam is the religion of Satan and Mohammed was his minion.)
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To: vbmoneyspender
The only way to opt out of Obamacare is via a hearse or election to Congress.

I don't believe that statement is true. Firstly, the Obama admin has given something in the neighborhood of 200 plus companies and unions the right to opt out. In addition, certain religious groups are exempt, such as the Amish. And in addition to those groups I believe reservation living Indians are also exempt as they're part of an autonomous "nation".

18 posted on 12/18/2010 8:18:41 PM PST by highlander_UW (Education is too important to abdicate control of it to the government)
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To: cripplecreek
Because driving is a choice in itself.

Not in some parts of the country.

19 posted on 12/18/2010 8:19:04 PM PST by ElkGroveDan (He's not the Messiah, he's a very naughty boy!)
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To: Nachum

People are not forced to buy car insurance.


20 posted on 12/18/2010 8:19:04 PM PST by Navy Patriot (Sarah and the Conservatives will rock your world.)
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To: freespirited

Plus, with the exception of Massachusetts, no state requires their citizens to buy health insurance.


21 posted on 12/18/2010 8:19:27 PM PST by Blood of Tyrants (Islam is the religion of Satan and Mohammed was his minion.)
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To: backwoods-engineer

They may all have Ivy League degrees, but they can only hold bumpersticker thoughts.


22 posted on 12/18/2010 8:20:19 PM PST by 1010RD (First Do No Harm)
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To: Nachum

You know, under the democommie understanding of this we should be able to mandated all gays and iv drug users to buy hiv infection insurance, as well as umbrella liability insurance, in case the infect partnersor other addicts. Wonder how the radical gay community would react if being gay forced and enhanced healthcare rider.


23 posted on 12/18/2010 8:20:45 PM PST by waynesa98
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To: Nachum
Yes, this is a staggeringly ignorant question. Unworthy of the time and energy to answer. No one over the mental age of six would even think of it.
24 posted on 12/18/2010 8:21:17 PM PST by hinckley buzzard
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To: cripplecreek

Yep that’s it exactly. No one has to drive.


25 posted on 12/18/2010 8:21:43 PM PST by MsLady (If you died tonight, where would you go? Salvation, don't leave earth without it!)
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To: Jedidah
The government has no right to tell me that I can’t take risks with my own safety

I agree, but then what are the drivers side airbag and seat belt for?

26 posted on 12/18/2010 8:22:07 PM PST by ElkGroveDan (He's not the Messiah, he's a very naughty boy!)
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To: backwoods-engineer

Excellent!!!!


27 posted on 12/18/2010 8:22:23 PM PST by MsLady (If you died tonight, where would you go? Salvation, don't leave earth without it!)
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To: cripplecreek

I love it when I agree with the first answer on FR.

We have a choice of which method we want to travel by. Flying requires that you submit to molestation by the government homos. Cars require that you insure your driver. Walking and bicycling are the only unrestricted means of travel in the US today.


28 posted on 12/18/2010 8:23:20 PM PST by B4Ranch (Do NOT remain seated until this ride comes to a full and complete stop! We're going the wrong way!)
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To: Stosh

No I don’t think you are required to do so.
Just like I don’t have any insurance on a car stored in a garage.


29 posted on 12/18/2010 8:24:17 PM PST by Maine Mariner
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To: Blood of Tyrants
if you want to drive a car around on your own property you don't need a license plate, you don't need a drivers license, and you don't need insurance.
30 posted on 12/18/2010 8:24:27 PM PST by hinckley buzzard
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To: Stosh

No, nor do you have to buy yearly plates or smog it.


31 posted on 12/18/2010 8:25:22 PM PST by B4Ranch (Do NOT remain seated until this ride comes to a full and complete stop! We're going the wrong way!)
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To: MsLady
Yep that’s it exactly. No one has to drive.

That's like saying no one has to walk down the street.

32 posted on 12/18/2010 8:25:30 PM PST by ElkGroveDan (He's not the Messiah, he's a very naughty boy!)
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To: Nachum

Actually, the argument for forced insurance is pretty week. I’ve driven 38 years with only a bumpr tap, why should I have paid out $50,000 to support the reckless and illegals?

Now, that said, if you are driving without insurance and cause a wreck and can’t pay for the damage, I don’t have a problem with hard jail time (this would also diminish the illegal problem).

Right now, insurance is a gift to insurance companies and illegals.


33 posted on 12/18/2010 8:25:58 PM PST by DaxtonBrown (HARRY: Money Mob & Influence (See my Expose on Reid on amazon.com written by me!))
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To: Nachum

What a dumb question.
1)It’s not mandatory that I have a drivers license. No need for a car . No need for car insurance.
2)But if I wanted to buy a car and paid cash, I could have it deliver to my house and store it without buying car insurance or tags.
3)I could have it deliver to my house and if I owned a large enough property, I could dive it on my property without car insurance or tags and deduct the fuel (road) tax from my income tax.


34 posted on 12/18/2010 8:26:05 PM PST by steveab (When was the last time someone tried to sell you a CO2 induced climate control system for your home?)
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To: hinckley buzzard
if you want to drive a car around on your own property you don't need a license plate, you don't need a drivers license, and you don't need insurance.

And you don't have to pay road taxes on your fuel.

35 posted on 12/18/2010 8:27:14 PM PST by okie01 (THE MAINSTREAM MEDIA: Ignorance on Parade)
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To: hinckley buzzard

And if you live in a large city, you have little need of a private vehicle at all.


36 posted on 12/18/2010 8:28:38 PM PST by Blood of Tyrants (Islam is the religion of Satan and Mohammed was his minion.)
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To: ElkGroveDan

Errrr....ok. Who is forcing you to drive?


37 posted on 12/18/2010 8:29:28 PM PST by MsLady (If you died tonight, where would you go? Salvation, don't leave earth without it!)
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To: MsLady
Errrr....ok. Who is forcing you to drive?

Who is forcing you to walk down the street?

38 posted on 12/18/2010 8:31:42 PM PST by ElkGroveDan (He's not the Messiah, he's a very naughty boy!)
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To: steveab

I had to have insurance on my house but only while I was paying the mortgage. Now that its paid off I have insurance by choice.

The riding mower on the other hand doesn’t need plates or insurance.


39 posted on 12/18/2010 8:32:30 PM PST by cripplecreek (Remember the River Raisin! (look it up))
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To: freespirited
The federal government does not require anyone to buy car insurance. The mandate comes from the states.

There are many good answers to the question posted on this thread, but yours is the key. It makes this question moot.

Interestingly, New Hampshire continues to not require liability insurance. Others allow you to opt out if you can prove financial responsibility. I think up until last year, Wisconsin also did not require auto liability insurance.
40 posted on 12/18/2010 8:33:54 PM PST by andyk (Hi, my name's Andy, and I am a BF 1942 / Desert Combat junkie.)
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To: VRWCmember
because it is liability insurance for the liability that you assume in driving on public roads

Unless you're an illegal alien and you don't have to do anything... nor suffer any consequences.

41 posted on 12/18/2010 8:34:18 PM PST by lonestar
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To: highlander_UW
Do I really need to qualify my statement by saying that the only way for Me to opt out is to die or to get elected to Congress?

In any event, the business exemptions you cite were provided to various companies so that they could continue to provide coverage to their employees. If that coverage goes away, the individuals employed by those companies would still need to obtain coverage. And if this is not the case, then the exemptions provide yet further grounds for why Obamacare is unconstitutional because you don't get an exemption from the auto insurance requirement just because you work for a particular company that has ties to the Obama administration.

42 posted on 12/18/2010 8:36:07 PM PST by vbmoneyspender
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To: Navy Patriot

People are not forced to buy car insurance.


Nutshell.


43 posted on 12/18/2010 8:36:07 PM PST by txhurl
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To: andyk

Some cities have ordinances that require insurance and plates on cars that just sit.


44 posted on 12/18/2010 8:38:38 PM PST by cripplecreek (Remember the River Raisin! (look it up))
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To: Nachum
Insurance is not insurance if you force the "insurer" to cover a risk that is finite, such as pre-existing conditions. It's like making fire insurers insure houses that are aflame or have already burned to the ground.

FYI, every taxpayer pays for what the Feds call flood insurance. Why? Because the NFIP/FEMA program which is called flood insurance runs out of money and is subsidized by the US Treasury. It is a PONZI scheme.

45 posted on 12/18/2010 8:39:26 PM PST by isthisnickcool (Sharia? No thanks.)
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To: Nachum

A question asked on a false premise. The Federal Government does not force people to buy car insurance, so he’s flat wrong to begin with in his comparison on that alone, and also he’s wrong in his comparison due to the fact no one is forced to buy or drive a car. No one is forced to start their own business and hire employees, but if they do, a requirement of state governments is that they purchase workers compensation insurance. We could go on and on...the real question is whether this host who asked this question is really this ignorant or he’s trying to start a false narrative as part of the debate over the health care law.


46 posted on 12/18/2010 8:41:12 PM PST by Republican Wildcat
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To: Nachum
Why is it Constitutional to Force People to Buy Car Insurance

First of all, insurance is not required - proof of financial responsibility is. In Texas, all one has to prove is that they have the ability to cover damages $20k per person up to $40k, and $15K for property damage. Bonds, letters of credit, or do what most folks do - third party insurance policies. The penalty for failing to prove financial responsibility is suspension of driver's license.

In absence of Collision/Comp coverage, lien holders want to minimize their risk on vehicles worth over $3000 NADA with an LSI (Lien holders Single Interest) paid for by the borrower. Again, like PLPD this isn't for the benefit of the motorist, rather it is protects the interests of the lien holder.

Now compare that to medical "insurance". Unlike automobile financial responsibility, wealthy people are forced at gun point to participate in a public plan rather than "self-insure". You can be a billionaire and still be required to have insurance. In auto insurance, the State wants to make sure that victims of other driver's recklessness are somewhat compensated. In this medical insurance scam, it is all about looting, power and control.

There is nothing really in common here.

47 posted on 12/18/2010 8:41:20 PM PST by The Theophilus
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To: SERKIT
If I buy car insurance, it assures me my car will be intact (or even replaced) if it is destroyed.

The collision and comprehensive coverage you're referring to is not required by the state. The states only require you to carry liability coverage for harm you may cause to others. (A lender may require you to carry collision and comprehensive coverage as a condition for getting a loan for the vehicle.)

48 posted on 12/18/2010 8:41:20 PM PST by Bob
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To: VRWCmember

Another good point - you aren’t forced to buy car insurance to protect yourself or your own property but to protect the person and property of others that you may damage while operating a motor vehicle. Purchasing insurance to protect your own person and property is a choice.


49 posted on 12/18/2010 8:42:52 PM PST by Republican Wildcat
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To: Nachum
....either a staggeringly ignorant or intentionally provocative question.

I vote he's staggeringly ignorant...

50 posted on 12/18/2010 8:43:12 PM PST by Lurking in Kansas (Sic Semper Tyrannis)
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