It's never been more expensive to insure a car, but coverage barely covers the full personal and societal harm of car crashes, something we all pay for whether we drive or not — and that traffic violence victims subsidize with their life and limb.
@TheWarOnCars Every once in a while y'all have an episode that reminds me that you're at least comfortably middle class. Many of the solutions you push, including this one, would disproportionately harm low income folks who need a car for work. Sure lets raise insurance on fancy cars and second cars or whatever, anything considered a luxury car, but to just say 'car insurance rates should go up' is so tone deaf to the millions of folks in the US who need cars through no fault of their own and cant afford to live as is.
@MonKaiju Thanks for the comment. We quite literally say in the episode that raising insurance rates is not a solution not only because it would be a political challenge but because rates are already "busting the budgets" of many Americans and chipping away at the gains made my softening inflation. Nowhere in the episode did we simply say that rates should go up and leave it at that.
@MonKaiju Additionally, the episode acknowledges right at the top that finding a solution in a country where car ownership is "a ticket to full participation in society" makes this issue all the more challenging.
@TheWarOnCars listening right now and TYSM for covering. I've been following you since the beginning, but also Michelle Dubarry. Subrogation also came for me in 2018. Less than 3 weeks after donating my car to WAMU, hit by a driver. AU insurance wanted some of my settlement back--- it ended up being the VALUE of the car I'd just donated to my own workplace.
@TheWarOnCars Not sure why this never occurred to me. I definitely have often thought gas is too cheap (by a LOT), and registration is to cheap, but never crossed my mind about insurance. huh...
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