"Uninsured mowerists" That's good. I don't want government auto insurance either. No. No way. As my techie says, "That way lies madness."
You have to make the private sector compete for the business of insuring people. And make everyone pay. The only way I can think of, that you can make everyone pay, is by gasoline. To get the private sector competing is easy. Bidding and performance.
Who will provide basic insurance for x % of 1,000,000 automobiles, meeting these minimums, at what price? When a price is arrived at, anyone can provide at that price or less, and the public can choose and weed/select companies based on service/performance.
I use the company I use because I never get crap from them. You'd get some losers like US West, and some winners like HMO Oregon.
No sales reps, no commissions, no uninsureds, because of the revenue generation; leave the rest up to private companies to fight it out. Cost control and efficiency become their biggest drivers to profit.
The state is already involved, to a degree, in setting insurance rates.
HMO Oregon does a pretty incredible job of this, and we have a lot of personal experience with them. Have never been denied a service of any kind. No nightmare stories. It's easy to get specialists and procedures.
Just make a pie "this big", and see who eats it. |
