Quote:
Originally Posted by Blueblaze
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.
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I disagree that the odds of hitting someone with your golf cart are practically zero. When people are at the squares and drinking heavily and then get behind the wheel of their golf cart, MANY bad accidents can happen.