Time: Sun Dec 14 02:40:47 1997
To: repub-d@u.washington.edu
From: Paul Andrew Mitchell [address in tool bar]
Subject: SLS: auto insurance
References: <>

You're missing the point.  The State has
the controlling legal interest in any car
or truck which is registered.  This legal
interest must be indemnified.  There is
no other legal basis for mandatory insurance.
Without that legal interest, the operator
is simply liable for the damages, using
the common law to resolve any disputes,
whether or not the operator has insurance.

/s/ Paul Mitchell,
Candidate for Congress

At 08:59 PM 12/13/97 -0800, you wrote:
>On Sat, 13 Dec 1997, Paul Andrew Mitchell wrote:
>> Liability insurance indemnifies the
>> State's interest in the car or truck;
>> that is the underlying reason for making
>> it mandatory on all "motor vehicles" --
>> read "registered, and thus operating in 
>> interstate commerce" by definition.
>> Comprehensive is something else again,
>> although you will probably have some
>> difficulty getting this kind of insurance
>> on a car, if it is not already registered.
>You fail to mention body damage, or property damage of others.  I can
>drive my car into your front window, and the state is not responsible for
>this whatsoever.  And I can drive my car into a pedestrian, and the state
>is not responsible for this one either (unless you count the fact that the
>states have allowed situations to develop where people have become more
>and more irresponsible).  It is I who is responsible, not the state.  Now
>matter how much you want to twist the law.
>> There is a fair amount of collusion which
>> is going on, between the corporate State
>> governments, and the banks and insurance
>> companies.  Insurance companies have nothing
>> to do except process receipts, and pay out
>> claims -- very low overhead, compared to 
>> other industries, like auto production,
>> or telecommunications.
>Insurance companies have to have low overhead, otherwise they won't ever
>be able to pay claims.  Most of that money goes out to policyholders in
>claims.  Insurance companies are lucky to get a 10% profit each year off
>of insurance operations, and they are prohibited from investing in
>high-yield investments, and must invest it in low grade investments.
>As regard to collusion, show me your proof of this.

Return to Table of Contents for

Supreme Law School:   E-mail