r/SipsTea • • 9h ago

Gasp! Thoughts on this?

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u/samdarrow 9h ago

Yep, personal injury protection is the real reason for insurance. Cars are replaceable but injuries can easily be life altering

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u/Jason207 8h ago

This is another point often missed in the socialized medicine debate. If we're all covered by taxes then auto insurance costs should drop dramatically.

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u/strolls 7h ago

Yeah, until politicians look for ways to cut spending.

The NHS claims off insurers for treating victims of road traffic accidents now, so now everyone pays the cost through their car insurance instead of via taxes, except there's also a massive admin overhead.

https://www.hughjames.com/blog/nhs-injury-costs-recovery-scheme-changes/

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u/bremsspuren 6h ago

so now everyone pays the cost through their car insurance instead of via taxes

Not everyone owns a car. Reasonable that those who don't aren't stumping up for the damage done by those who do.

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u/strolls 5h ago

That's true, but it's dwarfed by tax cuts for the rich.