Quote:
Originally Posted by blueash
Just so I understand, your sincerely held belief is that if you are hit by a golf cart or an automobile, and you are injured, hospitalized, etc... you don't think the person who hit you should be held responsible?
And if I am misunderstanding your screed, and you do think you would want the person who injured you to be responsible, because you apparently dislike lawyers, you would represent yourself or knock on the driver's home door asking for a check? Or maybe you'd in fact hire a lawyer but certainly not a lawyer with experience and a track record of representing injured people successfully.
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I absolutely believe everyone should be responsible for their own actions. Not sure how that relates to paying an insurance company to be responsible for your actions, though.
What I am saying is that by hiring someone else to take responsibility for your actions, the cost of those actions increases to insane levels and the only people who benefit are the insurance companies raking in millions for thousands of dollars worth of risk, and the lawyers who grab most of the payout.
The odds of you hurting anyone with your golf cart is practically zero, and entirely under your control. Even if you do hurt someone, the damages are unlikely to be beyond your means -- unless you are paying some insurance company with deep enough pockets to attract a lawyer. $150/year to insure you against a $50K payout is highway robbery. If it was in-line with the cost and risk represented by your home and car insurance, it would be about $10/year.