How is it that operating an auutomobile on a public thoroughfare is a right? We all have equal access to license.
No fault is just another garbage solution to keep everyone on the same playing field even when many do not deserve to be there. In other words, it’s distributing the stupidity, in a similar way to lowering the impact of standardized test scoring in schools (no, I don’t want to discuss this, it’s just a comparison) or any number of other “feel good” solutions in this increasingly PC world. Those who are under the curve are coddled instead of being expected to improve.
Some of us work damned hard to maintain a spotless driving record, which means paying attention and making sure that there is NO alcohol in our bloodstreams when we are behind the wheel. We have earned preferrential treatment over those who do not, which means dirt-cheap insurance because we are a lower risk than the jackass in his Integra doing twice the speed limit. It is neither my fault nor my problem that others put less value in being conscientious and I already suffer them routinely on the roads every day and will be damned if I also do so in financial terms.
I live in a Canadian province where bad drivers are clobbered without mercy in terms of insurance and it suits me just fine. Until I recently sold the car, I was paying $660 a year, with a spotless record, in my two year old vehicle. It does my heart good to hear the whines of those with ten tickets or accidents, an old junk-heap and a $5000 insurance bill. Automotive insurance may be the last area in which one reaps what one sows.
Of course we all have equal access. “It’s my right” has become the rallying cry of those who aren’t skilled enough in any area to get the job done without intervention from someone else. Want a drivers’ licence? Get one. Can’t pull it off? The answer here should be, “take the bus,” but the 21st century version has become, “complain until someone lowers the standards so you can play too.”
Driving is one area where I have NO philanthropic leanings, because my life and livelihood is in the hands of everyone else on the roads.