Obamacare and Car Insurance

Posted: March 22, 2013 by ShortTimer in Barack Obama, Government, Health care, Healthcare, Obamacare, Regulation, Unintended Consequences

Didn’t expect to do another Obamacare post so fast, but I just found out my car insurance went up.  I’m with a very major insurance company, and in the many, many years I’ve been with them, they aren’t the type to raise rates arbitrarily.  I called up and asked why my rates went up about $50.

The answer I got was that in my state, the company has assessed the new costs of Obamacare and started raising rates to compensate for those increased costs that Obamacare is causing.  The increased health care costs as a result of Obamacare are now raising car insurance rates because those same car insurance companies also end up paying medical bills for those injured in car accidents.

So watch your statements, call and ask.

Somewhere in that red tape tower, your rates just went up.  Broken windows.

  1. sally1137 says:

    I am not surprised. We are so screwed.

  2. Howard Dean (democrat) says obalmycare is a bailout of the insurance companies in return for bribes (contributions) they paid out to BOTH democrats and republicans. That’s why republicans only put up token resistance to it.

    What industry wouldn’t want the government to force 50,000,000 people to become customers overnight?

    Of course, none of these “conservatives” bitched when auto insurance became mandatory. This is largely modeled after that.

    “People get the government they deserve.” – John Updike/Author


    • ShortTimer says:

      Car insurance and health insurance are two very different things.

      Car insurance being mandatory is a condition for the privilege of operating a motor vehicle on public roads. If you don’t own a car, you don’t need it.

      For another example, where I live, there are quite a few folks without insurance who are 100% legal – they operate ranch trucks that never travel on public roads – the trucks are not registered, not state inspected, and not insured. And they’re in total compliance with the law because they don’t drive on the roads.

      You also don’t need car insurance even if you operate a car on public roads, you simply need to have an amount to cover damages that could be incurred from a wreck. Thus if you’re rich enough and can pay out of pocket, you can.

      Many Republicans did put up resistance to Obamacare, but you forget that Obamacare was passed over the objections of everyone, and was passed through force in a matter of days, with the “you have to pass it to see what’s in it” argument ultimately winning because Dems refused to even read the bill. A Dem House and Senate rammed it through.

      Also, Obamacare isn’t modeled after auto coverage – because you don’t need it to begin with, but if you choose to drive a car on public roads, you can buy car insurance from any company you want to. Individual state requirements for amounts of coverage are just that, and are not representative of a federal mandate for nationwide coverage.

      The penalty for driving (a privilege, not a right) without car insurance is a fine or jail time based on the unlawful act.

      The penalty for not simply living (a right, not a privilege) without health insurance is legally called a tax, not a fine. So you’re being taxed simply to exist because you aren’t buying a product the government mandated you to buy if you want to breathe.

      Car insurance is not the same as Obamacare health insurance. Not even close.

  3. […] Obamacare and Car Insurance | The Patriot Perspective – Obamacare and Car Insurance Posted: March 22, … The increased health care costs as a result of Obamacare are now raising car insurance rates because those same car insurance companies also end up paying medical bills for those injured in car accidents. […]

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