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From: mth@drutx.UUCP (Hamilton)
Newsgroups: net.auto
Subject: Re: manditory seatbelt laws ???
Message-ID: <439@drutx.UUCP>
Date: Wed, 6-Jun-84 17:20:11 EDT
Article-I.D.: drutx.439
Posted: Wed Jun  6 17:20:11 1984
Date-Received: Thu, 7-Jun-84 19:09:09 EDT
References: <256@houem.UUCP>
Organization: AT&T Information Systems Laboratories, Denver
Lines: 38

A manditory seatbelt law probably would not work.
How could it be enforced? Nobody is enforcing the
use of unleaded gas or catalytic converters, are
they? Not that I have seen.

The idea of releasing liability for injuries might
provoke some people to wear seatbelts. But insurance
rates would probably go up. I can see it now: My
insurance company would release themselves from
liability, also. So even if a drunk ran me over, their
insurance wouldn't pay, mine wouldn't pay, and I'd be
half dead selling everything I own.

Your gripe about paying insurance struck home with me.
The way the companies figure the rates is beyond me.
They add any little factor in the formula they can
to screw as many people as possible. That formula is
what should be changed. I have two basic complaints:

	(a) Why is the more capable car (a sports car)
charged more? I know they go faster, but they also give
you a better chance to survive. I can blend in, blend
out, and generally avoid most traffic far easier than
most cars, and probably all trucks. I forget the number
of accidents I have avoided since I've owned my car
(4 years). If only there was a way to prove you avoided
a crash. The insurance company should be grateful.

	(b) I own two vehicles. I pay liability and
collision on both. No one else is covered for driving
them. Why do I have to pay these premiums twice? I
can't drive them both at the same time. Maybe the
insurance company is protecting me in case I crack up
my car into my truck when I come home to park. Aren't
they considerate?


Mark Hamilton