Why do we need insurance? We should just stop wanting to have an accident

Why do we need insurance? We should just stop wanting to have an accident

The debate rages about whether third-party insurance should be compulsory. On one side you have the people who can’t afford it and the civil libertarians saying that it shouldn’t be mandatory. On the other side you have the victims, the concerned, and the people outraged that we don’t follow suit with most western nations and make it compulsory.

Much of the debate seems fueled by emotion, but the issue is full of other considerations, for example:

  • Do drivers who are pressured into getting insurance then drive less carefully because they have a false sense of security?
  • If everyone has insurance, would it significantly reduce the premium we all pay through economies of scale?

And we’ve heard all the ‘mainstream’ reasons in the mainstream media, so how about something a little more esoteric. There’s a school of thought that can be neatly paraphrased (usually by motivational speakers) as ‘your thoughts create your reality.’ Which means that even if you are in an accident where it’s not your fault, your thoughts created that reality, even subconsciously. That means that deep down, something in your psyche decided that you should be involved in that accident for some as-yet-unknown reason.

Bear with me. On the other side of the equation, the person who caused the accident also consciously or subconsciously wanted that accident for some reason. You could look at this in a number of ways РI mean, no one overtly wants an accident, but could an accident be beneficial?

  1. People have had a car accident and ended up marrying the person they hit, though that’s not necessarily a blessing
  2. The minor prang you have now could mean you drive more carefully meaning you avoid the major prang you would have had in the probably future
  3. Panel beaters have to earn a living somehow – are you feeling particularly generous and looking for somewhere to spend some money?
  4. You’re guilty about something and want to punish yourself financially (you’ll find that hard to swallow)
  5. The sight of your minor collision could mean many other motorists take more care
  6. And the most contentious of all, a really bad one that results in death now just looks like suicide on the part of the dead driver, and murder on the part of the living one…well, apart from the fact that it must have been a joint ‘gestalt’ decision.

If all this is just too much for you to take in and you think I’ve gone all weird you’ll be heartened to know that I have fully comprehensive insurance. I’m too paranoid to let my thoughts control whether I’m in an accident with an uninsured driver!

The debate rages about whether third-party insurance should be compulsory. On one side you have the people who can’t afford it and the civil libertarians saying that it shouldn’t be mandatory. On the other side you have the victims, the concerned, and the people outraged that we don’t follow suit with most western nations and make it compulsory.

Much of the debate seems fueled by emotion, but the issue is full of other considerations, for example:

  • Do drivers who are pressured into getting insurance then drive less carefully because they have a false sense of security?
  • If everyone has insurance, would it significantly reduce the premium we all pay through economies of scale?

And we’ve heard all the ‘mainstream’ reasons in the mainstream media, so how about something a little more esoteric. There’s a school of thought that can be neatly paraphrased (usually by motivational speakers) as ‘your thoughts create your reality.’ Which means that even if you are in an accident where it’s not your fault, your thoughts created that reality, even subconsciously. That means that deep down, something in your psyche decided that you should be involved in that accident for some as-yet-unknown reason.

Bear with me. On the other side of the equation, the person who caused the accident also consciously or subconsciously wanted that accident for some reason. You could look at this in a number of ways РI mean, no one overtly wants an accident, but could an accident be beneficial?

  1. People have had a car accident and ended up marrying the person they hit, though that’s not necessarily a blessing
  2. The minor prang you have now could mean you drive more carefully meaning you avoid the major prang you would have had in the probably future
  3. Panel beaters have to earn a living somehow – are you feeling particularly generous and looking for somewhere to spend some money?
  4. You’re guilty about something and want to punish yourself financially (you’ll find that hard to swallow)
  5. The sight of your minor collision could mean many other motorists take more care
  6. And the most contentious of all, a really bad one that results in death now just looks like suicide on the part of the dead driver, and murder on the part of the living one…well, apart from the fact that it must have been a joint ‘gestalt’ decision.

If all this is just too much for you to take in and you think I’ve gone all weird you’ll be heartened to know that I have fully comprehensive insurance. I’m too paranoid to let my thoughts control whether I’m in an accident with an uninsured driver!

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