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State Induce Oppression
Jeremy E. Laughery | 8-18-2002 | Jeremy E. Laughery

Posted on 08/18/2002 5:05:52 PM PDT by JeremyL

This is a letter I wrote to the Department of Insurance several days ago. Please act on this information and get INVOLVED! -JEL

To Whom It May Concern:

Automobile insurance becomes an oppressive taxation when the State orders the compelled benefit onto the People. The benefit discussed here is "Reduced Automotive Liability". When insurance companies can raise rates based on a buyer's consumer credit rating, it is an act of discrimination as well as an act of tyranny and oppression because the State ordered the People to receive the benefit Without controlling the Corporation, writing the benefits/policies. Credit ratings have no relevance to "Reduced Automotive Liability" benefits. When the State orders compelled benefits onto the People, the benefits are no longer a consumer item to be bought; they must be controlled by the State and sold by the State. But, the State cannot engage in self- enrichment by selling policies to the People. However, the State can control how "Reduced Automotive Liability" benefits reach the People. Rights of the People are being abrogated by uncontrolled insurance companies all over Florida. The Peoples' Right to "Liberty" to engage in "Reduced Automotive Liability" benefits, without discrimination by various insurance companies, is the Right discussed here in this short letter to your agency. A formal letter will be mailed to your agency in the near future regarding this discussion. I respectfully request this agency investigate the long-term abuses caused by automobile insurance companies across Florida State.

Sincerely, Jeremy E. Laughery, Florida State Citizen

The Big Study

Insurance companies claim that use of credit reports for auto insurance rates is acceptable because the report reflects potential loss of the policy holder. The big study did not include every automotive insurance policy holder in the United States of America. Nor did the study prove that all Citizens with less than perfect credit actually have accidents. Since the big study could not hold true for every Citizen regardless of his or her status, the results must become that of not only statistics but that of a form of religion.

Constitutionality of Credit Reports and Auto Insurance

Religion is defined as “conscience and belief” which has no place in government, according to the Constitution for the several States. Use of credit reports for auto insurance rates is unconstitutional on its face. Federal law that permits insurance companies use credit reports, for the governing of rates, must be repealed at once. No form of government can respect any form of religion; it must be non-biased. As Federal law stands now, it is biased towards insurance companies’ use of credit scoring for rate governing, respecting a form of religion.

State Induced Oppression and Tyranny

When the State orders its Citizens engage in “Reduced Automotive Liability” benefits, the benefit policy becomes one that is oppressive. When the State orders its Citizens engage in “Reduced Automotive Liability” benefits by threat of incarceration, the benefit policy becomes an oppressive taxation induced by the State because the State can tax the gain experienced by Insurance Companies.

The Better Way

A Federal clean air tax is assessed at the gas pump for the convenience of the Federal government. Take a percentage of the clean air tax and mix it with a new tax called “Reduced Automotive Liability Fuel Tax”. The two cent tax would be indirect and constitutional and not oppressive.

The Key Thing Here

Everyone should be accountable for their actions as well as pay their own medical bills. All Citizens that wish to travel have agreed to put themselves into some level of danger. Automobiles are glorified machines used for transport.

The Author will post more on this subject later, please hang in there.

Thanks for reading, Jeremy E. Laughery


TOPICS: Constitution/Conservatism; Government; US: Florida; Your Opinion/Questions
KEYWORDS: automobileinsurance; creditreports; creditscores; oppression; taxation; tyranny
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1 posted on 08/18/2002 5:05:53 PM PDT by JeremyL
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To: JeremyL
Wanna name any particular insurance companies?
2 posted on 08/18/2002 5:09:06 PM PDT by dennisw
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To: dennisw
Horace Mann Insurance Company
3 posted on 08/18/2002 5:15:42 PM PDT by JeremyL
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To: JeremyL
As Federal law stands now, it is biased towards insurance companies’ use of credit
scoring for rate governing, respecting a form of religion.

This idiocy is so glaring, anything of merit
that might be in the screed has already
run for the hills.

4 posted on 08/18/2002 5:21:35 PM PDT by gcruse
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To: JeremyL
My problem with insurance is that they are allowed to discriminate based on sex. When i was an 18 year old guy with no accidents or tickets, I paid more than double what an 18 year old girl with multiple accidents and tickets. If they were charging more based on race, there would be hell to pay.
5 posted on 08/18/2002 5:22:01 PM PDT by Husker24
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To: JeremyL
Forced requiremnt of insurance is stupid. They should craft the rules so where people who wish to have insurance only deal within themselves. If I decide I don't want insurance it shouldn't matter what happens but if the other person has a million dollars in insurance I can't touch it. Basically a "Play and pay" system.
6 posted on 08/18/2002 5:31:38 PM PDT by Bogey78O
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To: gcruse
This idiocy is so glaring, anything of merit that might be in the screed has already run for the hills.

This line actually made me go "woof!":

Religion is defined as “conscience and belief” which has no place in government

7 posted on 08/18/2002 5:31:58 PM PDT by hellinahandcart
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To: dighton
A "nuther weekend letter" ping.
8 posted on 08/18/2002 5:34:09 PM PDT by hellinahandcart
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To: Bogey78O
It's for the children.
9 posted on 08/18/2002 5:35:33 PM PDT by Leisler
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To: hellinahandcart
Apparently another post-and-run. Member since, oh, 8-18-02.
10 posted on 08/18/2002 5:42:27 PM PDT by gcruse
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To: hellinahandcart; gcruse
My brain hurts.
11 posted on 08/18/2002 5:45:35 PM PDT by dighton
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To: dighton
Eat more red meat.
12 posted on 08/18/2002 5:58:16 PM PDT by Bogey78O
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To: dennisw
Try State Farm. I had a State Farm policy that I had to let lapse due to unemployment. When I went to reenstate the policy I was told that I could not get the good rate due to a loss of credit from allowing the policy to lapse. So instead of $450 every six months, I must pay $900 every six months.

The mere fact that they are charging so much for the insurance is ridiculous. I have not gotten a ticket, been in an accident, or required an auto insurance payout for 25 years. My youngest daughter has a car that cost around $1000 total, and must pay $950 every six months for insurance.

Florida has a big problem with uninsured motorists and these rates show why. They charge so much that sometimes you must choose between insurance and rent, food, or electric. And if you have to stop paying and your insurance lapses, they double the rates. Not based on driving record, but entirely based on your ability to pay.

The state requires that we have auto insurance, but does nothing to insure that the insurance companies are not screwing us with rates that amount to usury. We have an Insurance Commisioner for what? He sure as hell isn't looking after our pocketbooks. But the insurance companies are making billions.
13 posted on 08/18/2002 5:59:11 PM PDT by Sledge
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To: Sledge
Thank you for joining the fight against these insurance companies. Many in Florida face this challenge because Florida legislators refuse to look at the facts. Maybe due to the big pocketbooks ;)

Jeremy
14 posted on 08/18/2002 6:07:40 PM PDT by JeremyL
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To: Bogey78O; Orual; aculeus; general_re; gcruse; hellinahandcart; JeremyL
My brain hurts. / Eat more red meat.

Sound advice, I'm sure, along with "don't drink quite so much." My brain-ache, however, is from reading statements like:

No form of government can respect any form of religion; it must be non-biased. As Federal law stands now, it is biased towards insurance companies’ use of credit scoring for rate governing, respecting a form of religion.

15 posted on 08/18/2002 6:10:19 PM PDT by dighton
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To: Husker24
When i was an 18 year old guy with no accidents or tickets, I paid more than double what an 18 year old girl with multiple accidents and tickets.

,,, you're a way back victim of profiling.

16 posted on 08/18/2002 6:12:07 PM PDT by shaggy eel
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To: dighton; gcruse
We need a moment of prayer, or other positive thought, for the Establishment clause of the First Amendment. It has been stretched further than a sixth-grader's bubblegum this evening.
17 posted on 08/18/2002 6:12:29 PM PDT by hellinahandcart
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To: dighton
Why such comment? Look at the constitution for your state.
Look at the study that was done. Match the results the fact that the Federal Gov't says it's ok.
18 posted on 08/18/2002 6:15:28 PM PDT by JeremyL
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To: JeremyL
Automobile insurance becomes an oppressive taxation when the State orders the compelled benefit onto the People.

You think florida is bad...try massachusetts, it's confiscatory, with a state police that enthusiastically enforces every minor violation. Of the insurance companies, By the insurance companies, For the insurance companies.

19 posted on 08/18/2002 6:18:27 PM PDT by JPJones
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To: JPJones
Wow! It's not only in Florida it's EVERYWHERE!!

We must form a National Coalition for Controlled Insurance
20 posted on 08/18/2002 6:22:20 PM PDT by JeremyL
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