The Truth About “No-Fault” Insurance

When you talk about the pros and cons of “Fault” and “No-Fault” insurance, you need to look at the reason it was enacted, the monetary cost or savings you receive, and how it effect the accident rate in “No-Fault” area. You keep seeing people get on media saying they would lose all their medical benefits, this is false, the coverage allowed is separate from the issue of “Fault” and “No-Fault” insurance depending on how the bill is written but what is the truth. In Michigan just as my state which is “Fault” insurance, the state takes over responsibility for long term care at a set amount, the unlimited benefits are not directly tied to “Fault” and “No-Fault” insurance, but the way the bill is written governing auto insurance in each state. “No-Fault” insurance was started to try and lower the insurance rate people were paying. The other side of the coin was it was done to lessen the amount of time a Police Officer would have to spend on the scene of an accident, if it was a non-fatal accident the logic being if no one is at fault the Police Officer do not have to investigate. Now step back and look at the Police Officer’s time spent at an accident, monetary cost or savings you receive, and how it effect the accident rate.

Is there a problem with “No-Fault” insurance and if so, what is it? There are only 12 states with “No-Fault” insurance and of all the “No-Fault” states, Michigan has the highest premiums. Michigan is charged 24% more than the next highest state, 45% higher than the average, and an amazingly over 300% more than the lowest state of Maine. All “No-Fault” states pay on average close to 10% more then “Fault States” which in Michigan would be $248 dollars more that could be in your pocket at the minimum. If you look at the history of “No-Fault” insurance and the states who switched from it, they lowered insurance rated by close to 30%; in Michigan that would means your insurance on average would go from $2476 to $1733; this would equal $743, how does that sound. In a “Fault” state, they are held accountable, their insurance has to pay so your insurance doesn’t go up, and you do not have to pay that $500 or $1000 deductible. As I said earlier, my state has “Fault” insurance and the same type coverage as Michigan yet our state insurance is less than half of Michigan’s. Why should you have to pay for “Bad Drivers” who have no incentive to change their bad habits? If “Bad Drivers” get into a wreck, it won’t count against them on their insurance, and they can’t be held liable or accountable for an accident; the only recourse for a victim of a bad driver is to sue.

Drivers in “No-Fault” states drive more reckless which caused more accidents which is shown by statistics which are at the United States Department of Transportation. Michigan who is the highest insurance paying of any state and is a “No-Fault” state had 873 people killed in car wrecks per 100,000 people compared to Maine who has “Fault” insurance and pays the lowest in insurance having only 161 people killed per 100,000 people; that is 542% more fatalities then Maine with many of them being our children. Is our children and other loved one’s lives not worth the change? We see “No-Fault” is costing us more monetarily and in loved ones lives but how about saving the Police Officer’s time?

Police Officers have to respond to every wreck they are notified of to check out the people and make sure it wasn’t caused by a DUI. “No-Fault” has Police Officers spending more time at wrecks because there were more wrecks. With this rise in wrecks and fatalities, the Police Officers are out even longer than they were before which puts them at more risk. This also takes away from Police Officer’s time to track down real criminal and help clean up some of the problem areas in Michigan.

We can see the monetary cost, cost in lives, and the cost of Police Officer’s time is not on the side of “No-Fault” insurance. “No-Fault” insurance was started to try and lower the insurance rate for people, but as usual, any time we try to social engineer something it backfires in our face, “No-Fault” is no different. Like all social engineering, distributing, or redistribution type programs, even though they may have been conceived with the best intentions, they always have the opposite effect. It doesn’t take a genius to figure out “No-Fault” looses here. Isn’t the extra loss in loved ones enough to get away from “No-Fault”; the only ones who make out on “No-Fault” insurance is the insurance companies.

The Liberal Muslim Problem in Our Collages

The University of Missouri has caused a stir by promoting a showing of “American Sniper” on the campus and wouldn’t you know, a liberal Muslim student activist says, “This film is blatant racist, colonialist propaganda that should not be shown under any circumstances and especially not endorsed by a branch of student government that purports to represent me and have my best interests in mind.” What she is really saying is I hate America, its freedoms, and its heroes.  She accuses the movie of “dehumanizing Muslims and glorifying the murder of Iraqis” which it doesn’t, but it does show a hero protecting he battle buddies, it shows a man not wanting to shoot a kid about to throw a grenade at his battle buddies, and most of all it shows the mental structure of the Muslim culture.

It is strange that this activist says Chris Kyle is, “a killer with no regard for human life”, in the movie it shows a kid trying to pick up an RPG to fire it at the troops and you here Chris Kyle saying “put it down, put it down” and the kid finally does but Chris Kyle had the right to kill the kid as soon as he picked it up and didn’t. Now if you really want to see some groups of killers with no regard for human life just look at Hamas, Hezbollah, PLO, ISIS/ISIL, Boko Harem, and Al Qaeda just to name a few who have blatantly murdered hundreds of thousands indiscriminately. Oh wait, I can’t say that no matter what the facts are because they are all Muslim groups and for pointing out the truth I’ll be labeled a racist or an Islamophobic. These people are the real racist because they want to try and make all the violence that their religion teaches be the fault of those who they want to label Colonialist. The “Colonialists” may not be totally innocent but they are not the ones blowing up busses of kids, the “Colonialists” are not the ones firing rockets over the border after promising peace, the “Colonialists” are not the ones burning prisoners alive, the “Colonialists” is not the one forcing an 11 year old to shot people in the back of the head, and the “Colonialists” are not the one showing a ten year old how to decapitate a person and making the child do it. This is all the teaching of Shariah Law and the Muslim sect interpretation of it and the Quran.

No one should be labeled a racist for pointing out the truth but this is what liberals do and true Quran following Muslims are directed to lie and deceive for the good of Allah. While true Quran following Muslims are the one cutting Christians heads off and burning prisoners in cages alive we have an activist saying our military is the racist, murderous ones. If you as a Muslim (or any other person) and don’t like America, its freedoms, and its heroes then move to Islamic country or anywhere else out of ours. You need to blend into this giant melting pot, not try and blow it up or fly planes into its buildings. Do you know how many honor killings were recorded in the US in 2013, over 500; it was in the FBI crime stats but amazingly it has vanished along with the addresses to the 35 Islamic Terrorist Training Camps which were referenced. Our kids are forced to take Islamic courses in school but Christian or Jewish are banned; does that make since? Not all Muslims believe in using terrorism but which ones they are you can never tell because Taqiyya. Taqiyya is the commandment to lie to non-Muslims to advance the Muslim and Shariah agenda; this is Islam's most important ideological war-tool.

Would we as tax payers fund a Christian or Jewish funded school? No, then why in Minnesota are we funding the Tarek ibn Ziyad Academy, a Muslim only school; isn’t this discrimination? If we are forbidden from having a Christian or Jewish school paid for by tax payers, then we need to get rid of this Muslim school would you not agree? The biggest misconception the American people and Politicians have is the Islamic states have their religion and government; I hate to break it to you but in Islamic countries it is one and the same. If we have Muslims who want to join and melt into the US society, Great. But if you don’t want to melt in the melting pot you need to leave.