I just got mugged – and it’s entirely legal.
My car insurance “coverage” – which I’m forced to buy by the state, for the profit of a private company – just summarily jacked me up for another $100 annually. Not because I got a ticket or filed a claim or had one filed against me; not because of anything I’ve done to warrant an increase in the cost of the “coverage” (which doesn’t cover anything; more on that below) I’m compelled to buy.
Because they can.
Luca, as fans of the Godfather movies already know, was the thug-enforcer sent by Don Corleone to “make him an offer he can’t refuse” – to people who would otherwise have nothing to do with the Don. In the movie, famously, the Don assured a victim that either his brains or his signature would be on the contract placed before him.
That’s how car insurance “works.”
No brains on the contract? Really? If you don’t sign – if you don’t pay – what will happen next?
The mafia will report your failure to agree to its “offer” to its Luca, the government. Which will then let every “Luca” it has in its crew know about you – and when you have the bad luck to find yourself dealing with one – as at a random “checkpoint,” what will happen next?
Notwithstanding you’ve not so much as scuffed anyone’s else’s fender or even gotten a traffic ticket in decades?
You will be hauled out of your vehicle and placed in manacles, then carted off to a cage.
If you object – if you attempt to leave – your brains may well be splattered as the “Luca Brasis” who dress up in strange costumes and serve as the enforcers of the government, on behalf of the insurance mafia, do not take no for an answer.
Knowing this – knowing that the insurance companies know they can trigger this chain of ugly events – it is very easy for the insurance mafiosi to simply demand more money, via the mails.
They know you can’t say no – because what they’re “selling” is something they got the government to make you buy – or else.
Isn’t that neat?
These massively profitable legal mafias put the Columbos to shame. They use the government’s Luca Brasis to extort money from their hapless victims and then use that money to buy the government that forces us to “buy” the insurance mafia’s services.
Look into how much money the insurance mafia kicks over to the election campaigns of grifty office-seekers who use that money to buy themselves into office – and then return the por favor by doing the legislative bidding of their paymasters. It works just the same as regards the health insurance mafia, which is another of the “Five Families” that holds the people of this country in thrall.
Well, what reason did my “family” give for jacking up my extortion payment by $100 annually – a substantial sum, relative to what my prior extorted “payment” was as well as relative to that which is “covered” – which is, essentially, nothing.
The “adjuster” – one of those nauseating euphemisms, like “customer,” when dealing with the DMV or the IRS – read her script to me over the phone (after the requisite waste of 20 minutes of my time being prompted by a robotic-voiced Me So Horny phone tree creature) was that the grifty politicians who run the state of Virginia on behalf of the insurance mafia (and other mafias) had summarily increased the state-mandated minimum coverages for what an insurance mafia might have to pay a hypothetical claimant from $25,000 to $30,000. And that, accordingly, the cost of my six month extortion to be allowed to drive would be summarily raised about $50 – an increase equivalent to a 5 percent “adjustment.”
I pointed out to the script-reader that I’d been handing over extortion money for something like 20 years to this particular company and that during all that time have never filed a claim nor had a claim filed against me and – in spite of my heavy right foot (and blessed be my V1 radar detector and preternatural ability to smell pork in good time) have a ticket-free DM rap sheet.
Which isn’t, by the way.
Because I judge the likelihood of my ever being at fault in an accident – and because my truck isn’t worth much (though that is changing, thanks to the Biden Thing) and because I deeply resent being made to pay money for something I neither want nor judge necessary, I have the absolute bare minimum allowable “coverage,” which does not not cover me, at all.
So what, pray, am I paying for?
For the hypothetical damage I haven’t caused anyone . . . but might. (Notice the etiolation of this principle in the forced-wearing of “masks” despite not being sick and the presumption of sickness spreading underlying the attempt to force-Jab people who’ve not spread anything, either.)
Such “coverage” is something I’d rather not pay for, obviously. Which is why I must be forced to pay it. Which is why you are forced to pay for it, too. And that is why we are all paying much more for it – even if we want to pay for it. That being a function of insurance being a mafia whose offers one cannot refuse.
If it were possible – legally, as it used to be – to say no, I suspect I’ve be paying a great deal less for “coverage.” And so would you. I would be able to tell the Me So Horny script-reader: Look, this is outrageous; I’ve done nothing to warrant an “adjustment.” Either lower the price to a reasonable price or cancel the policy.
That power motivates a seller. That is to say, one who cannot force you to buy. Something is better than nothing – and more to the point, when market forces are allowed to operate, one gets value for value.
As opposed to being made an offer one can’t refuse.
. . .
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