Tom Madden Writes:
To start, how does that cover expensive vehicle vs. less expensive vehicles? In other words, a $500 car and a $50,000 car both crash. One is more expensive to replace than the other, yet the price was the same at the pump.
Dennis Plante Adds:
Collision I suspect, would have to be left-out of the equation and paid individually. I guess the debate on the issue would center around whether the average driver would indeed see a lower liability insurance cost with a "pay-at-the-pump" plan.
Basic economics have always told me that when the price of wheat goes-up, the price of bread goes up. If the price of wheat goes down, th price of bread usually doesn't change. I don't think it would have much of an impact on the costs to most of us. At least under the current system, there's a method for insurance companies to "weed-out" those amongst us that are truly a danger to us all on the road. After a few accidents (or OUI's), their insurance costs become cost-prohibitive to a point where the either don't drive (smart), or continue to drive illegally (not smart) and may be arrested/ticketed for doing so (yea!).
With a "pay-at-the-pump", how would you stop someone from driving because they're a proven, unacceptable risk?
Dennis Plante Jordan
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