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