Tuesday, June 16, 2009

How to save 60% on your Auto Insurance.

Everyone is talking about how much single payer healthcare will cost, but very few people, at least in the mainstream media have mentioned how much it would save the average American.

Believe it or not you probably do have a form of health insurance, it just doesn’t cover you, it covers other people.

This insurance is your auto insurance.

The largest part of a typical auto liability policy is covering someone else’s healthcare costs. The reason is if you lose control of your car and hit someone, it isn’t fair that they should have to pay the medical bills for your mistake.

Naturally (if you aren’t a totally cold-hearted person) you would want to see them made whole and that’s why you have insurance in the first place, that and of course because the state forces you to.

You also have medical insurance for yourself and the passengers in your car, it is filed under PIP, Personal Injury Protection, or just Personal Medical.

PIP is necessary under our current Medical System even if you have regular health insurance because if you get into an accident and need to be taken to the emergency room and the police have to call your insurance company and find out which hospital they will pay for and the ER doctors have to find out what procedures are covered and what ones aren’t, your odds of dieing would shoot up significantly.

To cut through this red tape Auto Insurance Companies have PIP so that the Ambulance ride, the Emergency Room visit and all the things to keep you from dieing immediately are covered. The amount of minimum coverage varies by state.

If single payer healthcare became reality in the US, PIP and Personal Medical would become totally unnecessary, as the Ambulance ride and the Emergency Room visit would be free.

In my case, that would save me $77.23 every six months.

The second place it would save is in the BI, or Bodily Injury, part of my insurance. Under a single payer plan this part of my insurance would be significantly reduced but not completely eliminated.

The Bodily Injury portion of auto insurance covers the other person’s medical bills, pain and suffering, and lost wages.

Even under a single payer system you will have to pay the family the lost wages if you kill someone and you’ll be responsible for someone’s pain and suffering but the biggest part of Bodily Injury is the other person’s medical expenses. You can expect those costs to go down about the same amount as the PIP.

The third place on you insurance bill that you will save is on your uninsured/underinsured Motorist coverage. The uninsured motorist coverage covers your medical bills if someone with no insurance (or a hit and run) injures you. Obviously under a single payer system these bills wouldn’t exist.

After getting rid of all these medical costs from your insurance all that is left is coverage for pain and suffering, lost wages and property damage. So you could be looking at a savings of 60% on you auto insurance.

As well as lowering your Auto Insurance, your employer would save on workers comp, the vast majority of that is for medical bills. If you’re a homeowner your homeowners insurance would go down as most of your liability coverage is for medical bills as well as all of your guest medical coverage.

Taken altogether a single payer healthcare plan will save the vast majority of Americans a great deal on the non-healthcare insurance they are already carrying.

2 comments:

jacksmith said...

AMERICA’S NATIONAL HEALTHCARE EMERGENCY!

It’s official. America and the World are now in a GLOBAL PANDEMIC. A World EPIDEMIC with potential catastrophic consequences for ALL of the American people. The first PANDEMIC in 41 years. And WE THE PEOPLE OF THE UNITED STATES will have to face this PANDEMIC with the 37th worst quality of healthcare in the developed World.

STAND READY AMERICA TO SEIZE CONTROL OF YOUR NATIONAL HEALTHCARE SYSTEM.

We spend over twice as much of our GDP on healthcare as any other country in the World. And Individual American spend about ten times as much out of pocket on healthcare as any other people in the World. All because of GREED! And the PRIVATE FOR PROFIT healthcare system in America.

And while all this is going on, some members of congress seem mostly concern about how to protect the corporate PROFITS! of our GREED DRIVEN, PRIVATE FOR PROFIT NATIONAL DISGRACE. A PRIVATE FOR PROFIT DISGRACE that is in fact, totally valueless to the public health. And a detriment to national security, public safety, and the public health.

Progressive democrats and others should stand firm in their demand for a robust public option for all Americans, with all of the minimum requirements progressive democrats demanded. If congress can not pass a robust public option with at least 51 votes and all robust minimum requirements, congress should immediately move to scrap healthcare reform and demand that President Obama declare a state of NATIONAL HEALTHCARE EMERGENCY! Seizing and replacing all PRIVATE FOR PROFIT health insurance plans with the immediate implementation of National Healthcare for all Americans under the provisions of HR676 (A Single-payer National Healthcare Plan For All).

Coverage can begin immediately through our current medicare system. With immediate expansion through recruitment of displaced workers from the canceled private sector insurance industry. Funding can also begin immediately by substitution of payroll deductions for private insurance plans with payroll deductions for the national healthcare plan. This is what the vast majority of the American people want. And this is what all objective experts unanimously agree would be the best, and most cost effective for the American people and our economy.

In Mexico on average people who received medical care for A-H1N1 (Swine Flu) with in 3 days survived. People who did not receive medical care until 7 days or more died. This has been the same results in the US. But 50 million Americans don’t even have any healthcare coverage. And at least 200 million of you with insurance could not get in to see your private insurance plans doctors in 2 or 3 days, even if your life depended on it. WHICH IT DOES!

Contact congress and your representatives NOW! AND SPREAD THE WORD!

God Bless You

Jacksmith – WORKING CLASS

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