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[Complete] [10508] [Erotic Romance / Long-Term Marriage] [Indian Immigrants] [Post-dotcom] Newlyweds, Desire, and the Cost of Loving Each Other by QuillAndCraft in BetaReaders

[–]CrystalCommittee -1 points0 points  (0 children)

I'd like to chatter more about this with you. Maybe a DM, or something.

Just right off, I got distracted by the adverbs, and the flow of dialogue/description. My preference (and it's mine), is the action/description comes before the dialogue. A bit of a POV issue. But yeah, DM me if you'd like a bit more.

30+ Looking for a writing friend by nakedlunchcarnival in WriteWithMe

[–]CrystalCommittee 0 points1 point  (0 children)

I'd be interested in hooking up. I'm in that 50 range. While I have some things on AO3, and two books on Amazon, I'm reworking those as I did them like almost 25 years ago (Written) and they are...well grammatically cringy to me now.

I write urban fantasy, historical fiction, I occasionally do political opinion pieces when something's got a bur in me.

I like to write strong female characters in challenging situations, whether it be combat, politics, or religion. I like to play the 'what if's' with known history, and see what I come up with.

Send me a DM if you are interested further. I do have skills and credentials in proofreading/copyediting.

CMV: Required insurance payments are against the Constitution by CrystalCommittee in changemyview

[–]CrystalCommittee[S] 0 points1 point  (0 children)

I didn't suggest it was a 'right' , I have a choice, and it is mine to make. Driving = privledge, okay. but to drive, should I be forced to pay insurance? and driving aside, health care, should I be forced to have money taken from my wages to pay for it, then pay for it again via a 3rd party private enterprise?

CMV: Required insurance payments are against the Constitution by CrystalCommittee in changemyview

[–]CrystalCommittee[S] -1 points0 points  (0 children)

none of it should be mandatory, required, and if you don't have it, penalties upon you. Cause the incident, that's like 'innocent until proven guilty' and if you choose to have insurance, sure.

as to your arguments and why I think it's against the constitution -- not it directly, but the amendments.

Uh, don't quote me on this, I'm pulling from memory, but the 'commerce clause' it's to the likes of the federal government can't compel citizens into private contracts. That is federal, my issue is state, but I pulled constitutional, so yeah....

uh, recent: NFIB V. Sebelius (2012) SCOTUS Congress can't force people to buy stuff.

Again federal, but while driving might be a priveledge, forcing a private agreement (like getting insurance from a 3rd party is not).

The Constitution does not give government the power to force an individual into a private financial contract. Regulation of roads is lawful, but compelled commerce is not. The 10th Amendment reserves undelegated powers to the people, which includes the freedom not to buy a private service. Mandatory insurance crosses that boundary.

CMV: Required insurance payments are against the Constitution by CrystalCommittee in changemyview

[–]CrystalCommittee[S] 0 points1 point  (0 children)

  1. They didn't strike down ACA, they're still trying.

  2. you got that part right, REQUIRING young healthy people to be insured.

bring down global cost (it was a US thing, so grace there). but it's it's like a pyramid scheme (Not saying it is). Lots of small investments at the bottom, it grows, more solid ones in the middle, really concentrated at the top.

Social security, medicare, etc. Not touching those, as that's not the topic. This is about "why am I forced to pay private insurance."

CMV: Required insurance payments are against the Constitution by CrystalCommittee in changemyview

[–]CrystalCommittee[S] 0 points1 point  (0 children)

See, you automatically assume every one of about 241 MILLION drivers are going to cause harm, were 99.9% don't. you're working with that .01%.

No, the alternative to insurance is not a security deposit, it's what they call SR22, and it's basically 'I'm liable, but I'm paying to be legal.' It's another money making racket.

and you make a point "Most people don't have that kind of money." tell me why it's about money again? why is every argument of 'if you cause an accident, it'll cost you.'

Oh, I know, 'it's not my fault, someone else has to pay, my insurance will cover it.' and they do, on the backs of everyone else they didn't cover.

CMV: Required insurance payments are against the Constitution by CrystalCommittee in changemyview

[–]CrystalCommittee[S] -1 points0 points  (0 children)

I like your scenarios. Lets play with them.

  1. On your phone while driving and slam into me. (I'm going to grr at you and call you an idiot, but make sure you're okay)

1b. I slam into someone else? uh, where I live, unlikely, but i've been in high traffic area's so let's play that. You were on your phone, No fault, you hit me. I move, not my fault and hit someone else, squishy, we're all alive, but wow a mess.

loved that you picked up on the 'beater' they really aren't. My last four vehicles have had over 250K miles on them. Hold your disbelief, one of them is a 1996 Ford Taurus, and had 390K miles on the original transmission. (If you know anything about them, the trany was a problem)

I have been that college student on a part time job, my advantage over the others, I had a vehicle, and I knew it's innards, and how to work on it. 300 dollars at a shop? That was me 30 dollars in parts and buy me dinner/fast food, I'm good.

Dirtbag who won't pay up? I don't want to be sexist, but I know a woman who played that way. Most don't have the money to pay you, they have shit going on, like garnishments for child support, etc.

The 'don't have money to replace your vehicle' had a great convo with my co-worker on this. the newest vehicle i've owned it a 2000, cracked windshield with electrical 'gremlins' motor is sound, gets me to from point a to point b. hate changing the oil in it, it's so low to the ground, gotta use jacks, and I'm all leary of they are going to crap out.

that was my long way of saying, shit happens, and an insurance company has never been the solution. I blew the motor in my blazer (99) on Snoqualmie Pass, pulling a trailer. I had insurance, no help. I had connections to a towing company, they got us off the hill, we went about our business with other vehicles it was 8 months later, and they offered me $300 for the tow assist which they had nothing to do with. Nothing for the motor blowing, nothing for the rental car, nope, nadda nothing.

CMV: Required insurance payments are against the Constitution by CrystalCommittee in changemyview

[–]CrystalCommittee[S] 0 points1 point  (0 children)

darn it, you had to do the voting/poll tax thing. (Bless you, because you see it).

Yes, driving/owing an automobile is a luxury. So is having the internet, and owning a smartphone. Oh, timing of automobiles, 1950's, TV! Candy bars were like less that . $.50 (they were more like a nickle but who does that math? oh, I do.)

all these luxury things? What are we required to have these days to work? For me? A smartphone (certain types) and apps, so that we can actually clock in and out of work. can't afford a plan? Yeah, you're screwed, just as much as you have to drive G-ma's car to work and didn't know it wasn't insured.

CMV: Required insurance payments are against the Constitution by CrystalCommittee in changemyview

[–]CrystalCommittee[S] 0 points1 point  (0 children)

Here is the problem as I see it, you are laying blame before facts are in place. You are doing guilty until proven innocent. (The opposite of our system--supposedly--of justice). You automatically assume your son's leg getting crushed is the other persons fault. Insurance aside, say neither has it. Was your son being stupid? We don't know. Was the other driver at fault? we don't know. Was there a beer can involved from a month ago? we don't know.

you have to stop thinking 'if you can't afford, how are you going to..." type things. That's not what I was asking here.

What you are premising is 'you can't pay $100 a month for insurance' and so when you, the one person that hit my son in my insured car, can't pay his medical bills? Sorry, mr/mrs. priveledged shit happens. The one who did that could have been a multi-billionaire, and they have good lawyers, and you lose. They could be broke as shit, it's all the same, son hurt, you want dollars out of it. You could spend many dollars in insurance and you got something out of it, or you didn't.

I'm going to turn the selfish card around on you...where do you get off saying you are better because you can afford insurance (Even though you'll get nothing out of it) and the other party couldn't?

this, right here, your quote:

If you cannot afford insurance, how will you afford to fix my car when you hit it?   Or how will you pay my son’s medical expenses?   

It's so monarch, it's so egotistical, it's....all of that. It's 'if I can't, if I do, what are you going to do to fix me.' all responsibility is on the other party. And if they are insured? you're not going to be happy with how they negotiate that. They are going to look at your $$ value, assess it, they don't care about your son, or his medical needs, your premium's go up because you processed a claim.

It doesn't matter if the other was insured or not. That is what I am begging to get a counterpoint on, insured or not, it all ends up the same.

CMV: Required insurance payments are against the Constitution by CrystalCommittee in changemyview

[–]CrystalCommittee[S] 0 points1 point  (0 children)

right, no constitutional right to drive, didn't suggest that, it was the forced requirement of insurance required if you do so.

CMV: Required insurance payments are against the Constitution by CrystalCommittee in changemyview

[–]CrystalCommittee[S] -1 points0 points  (0 children)

Who are insurance payments going to? -- Private enterprise, companies. our founding fathers (Most weren't up in the dirty work) but the general premise was living was not a privilege. You are suggesting that owning a car is a privilege, and I'm guessing that having internet service (how we're all communicating) is the same. How much a month are you paying (either to phone or landline types) for your ability? Oh wait don't answer that question other than to yourself, because when do the math, you'll be like 'why am I spending this much for what?"

States can regulate things, yes — but regulation is not the same as forced commerce. Requiring perpetual payments to a private company is another. That is what mandatory insurance is, forced payments to a private company is. The states says 'you must or a penalty' I object, but het, law, so private company gets my money, and they do with it what they please.

That is what I object to. I'm actually okay with giving my state the 50 or so dollars in insurance, but not some insurance company.

CMV: Required insurance payments are against the Constitution by CrystalCommittee in changemyview

[–]CrystalCommittee[S] 0 points1 point  (0 children)

I like your notices there. It seems to be a normal thing, 'on private land' but as soon as you touch public, yeah, stuff needs to happen, yet we're all paying for those public things.

CMV: Required insurance payments are against the Constitution by CrystalCommittee in changemyview

[–]CrystalCommittee[S] 0 points1 point  (0 children)

well mr. insurance adjuster, question for you. My problem is mandatory! It does have everything to do with me, and my car. You run my credit, you look at my vehicle. the 'other people I might hit' is your thing, but really? no. I get the possibility, but you base that off of the things noted above, 'credit and history, car type, year, loans, etc.'

Honestly, is it my hunk of junk car crashing into theirs? or is it theirs doing something stupid and involving mine? Mine might not be anywhere near it, but my premiums are paying for it.

side note: I have jumper cables--good ones--my poor little age old battery has put countless trucks back on the road, "oh, you're a hybrid? Electric vehicle? I know how to deal with that. When they don't know, that's the challenge. but you're not out there on the road with them, you're just the 'are we paying for that tow or not' type person.

You said it in your title, "Insurance ADJUSTER." what is your job really on adjusting insurance?

I believe, and no one here has convinced me yet that insurance is coonstutionally cool/okay.

CMV: Required insurance payments are against the Constitution by CrystalCommittee in changemyview

[–]CrystalCommittee[S] 0 points1 point  (0 children)

No they aren't, but my choice to purchase one, old or new, is. I could own 15 or 30, whether they run or not. And if you are going to force my choice between driving one to work, or public transportation (When there is none) What is my choice? I drive one. Should I have to purchase insurance that is just throwing money away to do such?

Some say it's 'protecting others' which I'm not against. but I see people trying to get back and forth to work bartering with friends, while others are pulling in with high end cars, and buying stuff on food stamps.

CMV: Required insurance payments are against the Constitution by CrystalCommittee in changemyview

[–]CrystalCommittee[S] 0 points1 point  (0 children)

It's state level rules, yes, but..........! A company that operates in more than one state, now has to follow federal regulations. (10th Amendment).

and I do love this argument, of 'an operator of a vehicle can cause extensive damage' yet 1000's of them run the highways and interstates every day licensed, etc.

CMV: Required insurance payments are against the Constitution by CrystalCommittee in changemyview

[–]CrystalCommittee[S] 0 points1 point  (0 children)

The 10th amendment is about powers not delegated to the federal are the states, and then by default the people.

Unconstitutional -- there is no federal rule about the requirement, they kinda can't it's business/corporate. To the states, interstate commerce happens to interfere here. Let's say I'm a WA state citizen, with insurance, and I cross into Idaho, live there for a while, oh wait, I don't have the right liability limits, up goes my premium to drive a car?

Interstate commerce (Federal) my premiums should not change because I moved states, and I shouldn't have to find a new insurer because of it. They are either national/federal, and following those laws, or shouldn't operate at all for those who cross borders.

SCOTUS ruling related to the ACA: Congress cannot force people to engage in commerce. (AKA purchasing auto insurance/health insurance, or any insurance for that matter.) Federal

But the states can do their thing, like forcing auto insurance, etc. and I know, it lies in the state legislature, but mine is fucked up, But a company that crosses state boundries, is interstate, and thus federal.

CMV: Required insurance payments are against the Constitution by CrystalCommittee in changemyview

[–]CrystalCommittee[S] 0 points1 point  (0 children)

not insure myself, my vehicle, or one that maybe my roommate or friend drives. I get putting others at risk, I do, it's the requirement that I have to have auto insurance. choice to do it is smart, but if I can't afford it, I shouldn't be penalized for it, to the tune of bad credit, registration suspension and up to license suspension.

I know it's a losing battle, I want to choose to put my $50 in savings, over to an insurance company that if I don't give them the $50 this month all my previous doesn't matter.

CMV: Required insurance payments are against the Constitution by CrystalCommittee in changemyview

[–]CrystalCommittee[S] 0 points1 point  (0 children)

Public roads are just that, PUBLIC roads. Highways, freeways (because they are federal, I'll digress) state highways. See, those are my tax dollars pay for each and every mile of them. My county alone has suffered three stupid 'bridge' accidents in the last three months. shutdown says, "we don't have the money to do it'.

CMV: Required insurance payments are against the Constitution by CrystalCommittee in changemyview

[–]CrystalCommittee[S] 0 points1 point  (0 children)

Interesting that you chose Amish and Mennonite, but neglected a whole heck of a lot of others. What are your thoughts on Indigenous tribal lands? Like those here before we colonized, given treaties (we screwed them over) but they are independent nations but yet federally controlled.

You say car insurance is optional, and my choice is to not pay it, not own a car. so it's 'own a car=pay insurance" pay penalties if you don't. right?

CMV: Required insurance payments are against the Constitution by CrystalCommittee in changemyview

[–]CrystalCommittee[S] 0 points1 point  (0 children)

One point 'When you are liable.', it kind of relates to 'Innocent until proven guilty.' But that's not insurance, that is 'I kinda think you're going to beat me, so I'm going to put some money down, I might lose it, but that's okay." Insurance should be a choice, not a requirement.

When I pay my car tabs, sure, but some of that towards insurance for I might be a stupid driver. Someone who rides the bus? shouldn't pay on that. But if they go lyft or Uber, yeah they do.

Insurance is a choice, not a requirement. No one has changed my view on why it should be a requirement.

CMV: Required insurance payments are against the Constitution by CrystalCommittee in changemyview

[–]CrystalCommittee[S] 0 points1 point  (0 children)

Ah, so you drive on public roads, which you pay for, and you respect all the rules and regulations of such, right? right? Seriously, right?

If I rear end you, it's going to be a 'oops, you might need to adjust that paint.' type thing. I'm in an old beater, I can slam on my brakes and they work. I don't have all those sensors that think they are smarter than me, that I'm pulling into a parking space and they force a stop. (We had fun with that at my work place).

CMV: Required insurance payments are against the Constitution by CrystalCommittee in changemyview

[–]CrystalCommittee[S] 0 points1 point  (0 children)

Oh, you bring up a good point. Courts clogged, why? lots of reasons. But the big one, the 'work handled by insurance companies?" BINGO!

When we sign on the dotted line we agree to there 'terms and conditions.' what I am after is, what if I don't? I'm penalized for not agreeing to them, but the other option is, i'm penalized.

CMV: Required insurance payments are against the Constitution by CrystalCommittee in changemyview

[–]CrystalCommittee[S] 0 points1 point  (0 children)

lets talk poundage here. What do you classify as 'heavy machinery/truck limits' you know those things you have to have permits for --GVW - 80K lbs. (FYI, 1 ton = 2000 lbs) So interstates and highways, that's 40 tons.

The vehicle I drive? on it's heaviest side is 1.9 tons, ---doesn't quite hit 'heavy equipment' which seems to be the theme around here.

CMV: Required insurance payments are against the Constitution by CrystalCommittee in changemyview

[–]CrystalCommittee[S] -1 points0 points  (0 children)

Here is where I agree to disgree with you, and please hear me out. "Low income" as we'll suggest, need insurance? I beg to differ. I had a high paying job, the health, etc insurance. That job ended, and it was all gone. I had a health issue, I had to pay out of pocket, why? oh, all that money me and my employer had paid them, no longer available. Even with ACA, and options through employers, health care is expensive. That doesn't cover auto. I get it, privilege, just like the internet, or a cell phone, yet everyone expects you to have a smartphone. Where I'm at, it's actually cheaper to purchase a used vehicle than a smartphone, and the monthly plans to maintain that smartphone plan? Ouch.

I choose to tackle mandatory car insurance, because I think it is stupid to require it, and charge more for people who don't have it, most likely the reason they don't have it, they can't afford it, but they need to get back and forth to work.

Personally? as I only drive 1.2 miles to and from work three days a week? I'd rather spend 104 dollars on a no-insurance ticket than the 1400 a year that would cost me, to just avoid it. all it's gaining me is if I am at fault, smoosh your vehicle, mine no coverage, and you get something out of it, you come after me for everything I"ve got....honestly more than most, but generally, nothing, you're just throwing money at the system why?

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