Clover’s Latest

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Here is Clover’s latest collection; I try to sweep the droppings into the corner of the room… so to speak.


Eightsouthman if the courts say that the insurance company owes you nothing then they owe you nothing. You do not get paid a million dollars just because you say they should give it to you. What part of the do you not understand?


In fact Brent health insurance premiums are based on risk. If you are a smoker you will pay more under most policies. If you have a lot of claims you pay a lot more out of pocket expenses under most policies.
Brent if you have one claim under your auto insurance policy then the premium should not go up that much unless you were reckless driving at the time. If you have 3 or 4 claims then you are a high risk in everyone’s mind. You should pay a far higher premium than I do since you have proved to be a high risk and probably should not be driving. Your chances of getting into another accident are far higher since a good driver would not get into multiple accidents in a lifetime.
In my mind an insurance premium should be based on your driving record. If you have zero claims or tickets you should have the lowest rates in your area like I do. If you have 3 or 4 claims then your premium should be higher and adjusted for the added risk of a person who gets into a lot of accidents.


So Brent you are saying that poor driving should be hidden from a new insurance company you are applying to? If that happened Brent it would push my rates up. Would that be fair? If you have a lot of claims you should pay more insurance. You are a higher risk. It sounds like you want me to pay for higher risk drivers. Name one incident where you hit another driver and the insurance company failed to pay? You can keep telling lies but it does not make it a fact. If you fail to pay your premiums the insurance company has ever right to drop you just like the gas company and the electric company.
If you drive recklessly then I could care less what you pay. A high rate means the insurance company really does not want you. You are a high risk. That does not mean an insurance company is bad. That means that you are.

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I do have to laugh at that Brent. You said you were hit twice by uninsured drivers. If you knew how to drive that would not happen. The states are looking at ways to make sure that the dead-beats do carry insurance. What do you think they should do Brent. That is why many states also require uninsured drivers coverage to cover the small percentage of people that are driving and do not have insurance.

Your Chicago Allstate sells car insurance. Are you required to buy from them? Brent there are probably 50 insurance companies that are available for you to buy insurance from and they are all competing with each other. Are you required to buy from them all?

Brent “a cartel is an agreement between competing firms to control prices or exclude entry of a new competitor in a market.” Show us your proof that they are doing either of these? Again Brent just because you choose to make something up does not make it true. Tell me Brent if they are setting prices then why do different insurance companies quote you a different price?
Brent everyone that drives requires a car and the specifications of cars are listed. With your definition, car companies are a cartel.
Brent are mentally not with it or just stupid?
So if you disagree with buying insurance and Eric disagrees with buying insurance but you did buy it because it is mandatory then wouldn’t everyone but an idiot say that more people are going to get reimbursed for their losses? I looked it up and mandatory car insurance was started around 90 years ago by two east coast states The article that I read mentioned that early on it was clear that a large number of people could not afford to pay if they caused an accident. When it was required that number dropped significantly.
Keep telling us more of your lies Brent. Maybe some day you may accidentally tell the truth on a statement or a fact may accidentally get in there.


Brent you are a joke.. For one thing if a COURT declares that you owe someone money because you harmed them using your automobile the insurance company has to pay unless you violated the terms of the insurance company. If they fail to pay then they are kicked out by the state and could no longer sell insurance. Pretty simple Brent. An insurance company would go out of business quickly if they fail to pay claims. Your argument is the same as a 2 year old. Libertarians are flat out stupid.


Thanks David Ward. That is exactly why there is mandatory insurance because millions of people were left holding the bag before. I have uninsured motorists coverage and under insured motorist coverage. The costs are $16 and $38 per year. The costs would be 100s of dollars per year without mandatory insurance. The cost of that coverage is drastically reduced because most states have mandatory insurance and there are far fewer uninsured motorists on the road and thus my insurance costs and my risk of uncompensated losses are vastly reduced.
If you are injured by someone else it is not up to the state to get you reimbursed for your losses. That is up to the courts. The libertarian way would be to tell them what money they owe and a good libertarian would pay right?
Again you just showed us why we need mandatory insurance rather than let millions of people suffer from what you went through. It sounds like you are looking for more enforcement rather than less.


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  1. • Hawdd yw hi, i fod yn ddewr o tu nôl i mur
    Translation: It is easy to be brave from behind a wall.

    • Gair I gall, ffon I’r anghall
    Translation: A word to the wise, a stick to the unwise.

    • Haws twyllo maban na gwrachan
    Translation: A boy is easier cheated than an old lady.

    • Deuparth gwaith yw ei ddechrau
    Translation: Starting the work is two thirds of it.

    • Dywed yn dda am dy gyfaill, am dy elyn dywed ddim
    Translation: Speak well of your friend; of your enemy, say nothing.

    • Gwell fy mwthyn fy hun na phlas arall
    Translation: Better my own cottage than the palace of another.

    • Gwell swllt dda na sofren ddrwg
    Translation: Better a good shilling than a dud sovereign.

    • Hir yw pob ymaros
    Translation: All waiting is long.

    • Na ad i’th dafod dorri’th wddf
    Translation: Let not your tongue cut your throat.

    • Tyfid maban, ni thyf ei gadachan
    Translation: The child will grow, his clothes will not.

    • Segurdod yw clod y cledd
    Translation: A sword’s honor is its idleness.

    • Hen y teimlir ergyndion a gaed yn ifanc
    Translation: The old feel the blows suffered when young.

    • Heb ei fai, heb ei eni
    Translation: He who has no faults is not born.

    • A fo ben, bid bont
    Translation: If you want to be a leader, be a bridge.

    • Dyfal donc a dyr y garreg
    Translation: Tapping persistently breaks the stone.

    • A fynno glod, bid farw
    Translation: The best way to gather praise or recognition is to die.

    • Meistr pob gwaith yw ymarfer
    Translation: The achievement of all work is practice.

    • Mwyaf y brys, mwyaf y rhwystr
    Translation: The greater the hurry, the more obstacles there are.

    • Haul gwanwyn, gwaeth na gwenwyn
    Translation: The spring sun is worse than poison.

    • Ni edrych angau pwy decaf ei dalcen
    Translation: Death considers not the fairest forehead.

    • Ewyn dwfr addewid gwas
    Translation: A youth’s promise is like the froth of water.

    • Ceffyl da yw ewyllys
    Translation: The will is a good horse.

    • Cenedl heb iaith, cenedl heb galon
    Translation: A nation without a language is a nation without a heart.

    • A ddwg ŵy a ddwg fwy
    Translation: He who steals an egg will steal more.

    • Adar o’r unlliw, ehedant i’r unlle
    Translation: Birds of the same color fly to the same place.

    • Côf a lithr, llythyrau a geidw
    Translation: Memory slips, letters remain.

  2. I think it is obvious that Clover is either:
    1) incapable of logical (and honest) thought, or
    2) deliberately refusing to accept facts, in an attempt to bait us.
    Therefore I suggest the following – If you think you can post a reply that will be helpful in educating someone new to the site, then go ahead. Otherwise just ignore her.

      • eric, I’m proud of you. Remember when I posited that clover was simply a program created by a intelligent but brainwashed woman? It’s all right there in every reply where nearly every sentence begins with “Eric you”. It’s just dedicated to your site. It’s much like the skunk I killed last night. It was one of two huge ones I’ve killed in the last few days. All the rest were adolescents. Stop it before it can reproduce.


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