CORPORATE GREED and Crappy Car Insurance

No fault insurance state laws violate human rights, The 14^th Amendment of the U.S. Constitution and The Declaration of Independence.  There seems to be a trend in this country of devaluing human life after birth.  With all the emphasis on the right to life from conception, no one seems too concerned about life after birth.  What is the value of a human life (body)?  According to no fault states the value of a human being is $0.  That would make the value of a human being less than a pound of crap (which retails for about $20 per lb. in Florida a no fault state).  Eyesight alone is worth $250,000 dollars according to AIG’s break down of what you could expect in payment for losing the use of different body parts.  The cost to clone a human could conceivably soar above $100,000.  An Indiana University study even suggests that it is possible that the human body could be worth as much as $45 million. If you consider the value of all your bone marrow ($23 million) and DNA ($1.3 million per gram), you can see how high the overall value of the human body is.  Our bodies contain our life and are our most valued property.  All humans are endowed with the right to have life and receive just compensation for damage to our most valued property, ourselves.   The following is a continuation of this topic written by a very dear friend of mine:

Another example of corporate greed that has not been addressed is the Auto insurance industry.  NO Fault states are popping up left and right.  Let me provide some information about NO FAULT Insurance.  Since I was a victim of an auto on pedestrian type of accident in Florida, I will focus on Florida’s auto insurance law.  Florida is a partial no fault state. The no-fault portion of driver’s coverage pertains to bodily injuries, meaning that in the event of an accident, each party is responsible for their own medical bills and other costs related to the injuries sustained in the accident.

In turn, your right to sue the other party is limited.

Florida auto insurance laws require all drivers to carry property damage liability and personal injury protection (PIP) policies. Property damage liability covers the damage you cause to another's property, and you must carry a minimum of $10,000 in coverage.

Your PIP covers your injury-related expenses, regardless of who was at fault in the accident. Covered benefits include some compensation for necessary medical expenses, lost wages, lost services, and funeral expenses.

$10,000 worth of PIP is required, although you may be able to increase your benefits by purchasing more. Some drivers may choose to decrease their premium by applying a deductible to the coverage or by excluding the loss of wages benefit.

Florida auto insurance laws may also require that certain drivers carry bodily injury liability. This coverage helps pay for the cost of injuries you cause to another in an auto accident. Drivers with previous accidents or violations may be required to carry this type of coverage.

Bodily injury liability (BIL) carries a minimum of 10/20. (That's $10,000 per person for injuries you cause to the other party, up to $20,000 total.) However, these are only minimums, and higher limits are recommended not required. Drivers who aren't required by law to purchase BIL are strongly urged to consider doing so for their own financial protection.

Florida auto insurance companies will also offer optional coverages such as collision, comprehensive, and uninsured and underinsured motorists coverage.

How Florida car insurance rates are set

The price of Florida auto insurance is decided by the behavior of the state's drivers as a whole. Florida auto insurance companies take the cost of providing insurance for Florida drivers (this includes settlements and legal fees) and divide it up among the drivers.

But these costs aren't spread around evenly. Instead, the percentage you pay is decided by things like your driving record, your age, where you live, and the kind of car you drive.

How Florida car insurance affected me

I am wheelchair bound.  I already have a preexisting condition of a spinal chord injury. I was being pushed across the street in my wheelchair when my companion and I were physically struck by a vehicle making a U-turn into the crosswalk.  No ticket was given by the officer and the driver was allowed to leave.  The driver suffered no injury.  The officer and the driver were annoyed with the entire situation.  My wheel chair was demolished and to this date my companion and I are still in pain.  A pedestrian in Florida has NO RIGHTS.  In the year 2010, Florida received 82.6 million visitors.  This number contains foreign visitors to Florida.  In Florida, Daytona Beach is a popular destination.  Since Daytona Beach is hard packed sand driving is permitted on the beach.  There have been numerous deaths (some of whom were young children) caused by vehicles being driven on the beach.  There have been numerous debates as to whether this tradition should continue.  DUH!  This is a no brainer.  Every human has the right to life and if that life is taken from them their families must receive just compensation.  The Daytona city council voted to keep this tradition “alive”.  Life is not precious in the state of Florida.

As presented on ABC’s World News (11/1/2011), in the decade between 2000 and 2010, the number of foreign overseas tourists travelling the world grew by an astounding 60 million. In 2010, 26.4 million tourists visited the U.S.  It is expected that the bulk of tourists visiting the U.S. will travel from Brazil, China and India. When I was visiting Disney World in Florida, I constantly felt like I was playing Russian roulette when crossing the street.  How many deaths will have to occur in the U.S. before we wake up and see that the insurance industry is shafting us with automobile coverage?  Why are we paying a monthly premium for pathetic coverage?  The ability to opt out should be made available to every driver.  I would rather invest my premium money in an interest bearing account than have an insurance company take my money and they receive the profit from investing my money.  Wow! Talk about GREEDY CORPORATE AMERICA!

Another horrific chain of events occurred on October 25, 2011 because of a negligent driver.  A Florida driver plowed into two women as they waited on the sidewalk at a bus stop.  One victim is in critical condition, but the other woman died on Wednesday.  Police said the car crossed over three lanes of traffic before hitting the women.  Police also said, Shane Nicole Trevino, 31, and another woman were waiting at a bus stop at Colonial Drive and Edgewater Drive when a car driven by Steven Maroney, 20, jumped the curb and hit them.  The impact was so severe, the windshield of the car was shattered and one of the women’s shoes was found 20 feet away.  Obviously this driver plowed into the women in broad daylight since the incident occurred at 4:30 p.m.  Because of Florida’s automobile insurance laws little, if any will be provided to the victim and the deceased woman’s family.

So, who is benefitting from such a lax law?  The GREEDY insurance company is the beneficiary.  For example, a monthly premium is charged but they pay out practically nothing for their negligent drivers.  I received absolutely nothing for my injuries nor did my companion.  My health insurance only paid for a limited amount of therapy sessions.  My companion is an athlete but she has not totally recovered from her injuries.  So, her athletic career is on hold.  In addition to Florida being a no fault driving state, the following states are also included as no fault states ( DC, FL, HI, KS, KY, Mass, MI, MN, NJ, NY, ND, PA, UT)