Insurance

Why does Auto Insurance only cover accidents? Why not gas and oil? Shouldn't the greedy auto insurance companies also pay for regular maintenance? If the insurance covered oil changes and other necessary car care items then cars would use less fuel and last longer. Well this seems to be the thought process that many people use when they talk about "health insurance." But auto insurance does not pay for all those things and there is a very good reason. If the insurance companies covered these things, rates and costs would sky rocket. There could even be a shortage of mechanics.

There are those who will say that this is a good thing. I can see people who will read this and think that the government should mandate this change in insurance coverage. They would say that the auto insurance industry is making huge profits and this windfall should be used to better serve the public.

Well consider this, if all gas and oil for autos were covered then there would be no reason to conserve energy. People would have no reason to worry about not only about how much they drove, but they would not worry about millage. Gas prices would increase since supplies lines would become strained. Insurance companies would merge or the government would have to take over the system. The system and the world economy could not handle this type of change.

Well now that you've thought about this, think about the way that health insurance has changed. There was a time when you only bought medical insurance to cover major medical issues. Medicare Part A only covers hospital costs. The idea was that individuals controlled cost by only using the services that they needed. This system was turned on its ear with the idea of preventive care and the HMO concept. Now with ObamaCare we have gone farther down this road then we can afford. The idea that unlimited preventive care just like unlimited car maintenance can bring down cost is showing that it can and will not ever happen. Europe has discovered this truth, but our government still thinks that they are smarter then history. Well we will see.



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