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Comment Re:Insurance companies suffer? (Score 2) 389

You've changed your story from "I want my car paid for in an accident" to "I want to force other people to act in a particular way." One is about taking care of yourself. The other is about exerting power over other people. They are completely different desires.

You should give some serious thought to what, exactly, you want, because the first thing you said is already available to you, unless you're too cheap to buy it, and the second is already required by law everywhere in the civilized world.

Comment Re:Insurance companies suffer? (Score 2) 389

You don't have to in California, either. The insurance company informs them when you have a policy, electronically, automatically. You are supposed to be completely unaware of the process . . . unless you're a vile, disgusting lawbreaker who doesn't have insurance (which is a misdemeanor in California - a jailable offense). I believe they also automatically inform DMV if you - or the insurance company - cancel your policy, too, so that you can't get a year long policy, then pay only one month.

I'd be surprised if there isn't a similar system in your state.

Comment Re:Insurance companies suffer? (Score 1) 389

That's called "car rentals," and it's hardly new. In fact, there's an entire industry built around it. And right now, even if you (as you are required to) have insurance on yourself as a driver, the rental company will still pressure you to buy supplementary coverage from them, so you can just "walk away" and not pay the deductible.

The odds that the person in the card, whose name is on the lease, has zero responsibility are basically none any time within our lifetimes.

And even if we manage that, the rental companies will still have to have insurance, and the amount of miles being traveled won't go down. In fact, it will likely go up if rentals really are more convenient, and that means that insurance premiums, overall, will go up as well.

Again, insurance companies will benefit from the lower accident rates (if they happen), not suffer from the increased premiums.

Comment Re:Insurance companies suffer? (Score 1) 389

More than that ... if we have self driving cars, why would I pay for insurance at all?

Because if you won't, your car registration will be denied (same as now), and your self driving car will automatically refuse to run until it's renewed (better than now, since it will remove uninsured drivers from the road entirely, as opposed to the 25% in some state who have no insurance.)

Comment Insurance companies suffer? (Score 5, Insightful) 389

Really? As long as liability insurance is mandatory, and comprehensive required for as long as you have load on the car, and as long as it takes action on the part of a state legislature followed by years of court battles to force insurance companies to lower rates, no, insurance companies will not suffer from lower accident rates.

In fact, in most states, they will probably use the changing market as an excuse to raise rates, knowing they will continue to sell the same number of policies while paying fewer claims.

Anybody who believes that the legal requirements for insurance will change for self driving cars is smoking dope.

Comment Re:Holy hell (Score 1) 272

Average rent in Orange County for a studio - no actual bedroom - is, last time I checked, over $1,000/month. Cars are not cheap, nor is the insurance it is a crime to drive without. Food, other expenses, taxes, it adds up. yeah, it's possible to live on it, but to live alone is, at best, difficult. And is a very shitty way to live.

Plus,

but still put away money every month, thanks to medi-cal covering insurance

translates to "thanks to welfare paid for by other people who make more than $25k/year." You've actually agreed it's damned difficult to get by on that amount.

Comment Re:How do the "poorest residents" own homes (Score 1) 272

Better than arresting them for stealing power.

http://www.dailykos.com/story/2015/03/12/1370393/-Homeless-woman-charged-with-theft-of-services-for-charging-cell-phone-outside

They probably wasted more tax dollars with that affair than telling the homeless to come to City Hall to get their phones charged for free.

Very likely. However:

"Luckily, in the end, the DA dropped the charges. "

Makes this look like hysterical propaganda:

Welcome to the modern American Police State.

Comment Re:Holy hell (Score 1) 272

London had wanted a solar array for years, but couldn’t afford it on his income as a merchant seaman — roughly $70,000 per year.

In Canada, the official poverty level is around $25,000 per year for single persons. It shows you how rich the Americans are compared to the rest of the world, even compared to another first-world country.

In California, at least anywhere south of the Bay area, somebody making $25k/year is probably living in their car. $70k is hardly poor, but it's not much more than a comfortable middle class living.

Comment Re:How do the "poorest residents" own homes (Score 2) 272

20 years ago, home prices in California were not much different than they are today, when things are still recovering from the collapse of the housing market. You'd have to go back at least 40 years to find home prices that would be attainable for even the lower middle class.

And even then, most of the cheaper homes were condos, not houses, and condos always have associations, and associations always have fees. And Prop 13 or no, property taxes have to be paid. So even if someone bought their home in better days, odds are, if there is any non-insane way to describe them as "poor" now, they no longer have a place to install solar panels.

Either the headline is idiotic bullshit, or California is now giving solar panels to the homeless (who might, in fact, be able to use them to charge their smart phones, this being California, and all).

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