Car insurance is mandated!

Another fantastic straw man from the shameless promoters of universal health care. Here is the premise: It is not unreasonable to have a health care mandate, since it is good for everyone and is no different from auto insurance [which is mandated with penalties for non-compliance].

1. Auto insurance that is mandated by the [state] government(s) is to protect other people, not you. You are required to carry liability insurance to cover damages to other personnel or property, not yourself. Lenders however, require insurance levels, which protect their investment – the car. If you do not want to carry collision insurance for repairs, you buy your car outright and are the only owner. You can also choose the level of coverage, for example towing, rental reimbursement, and roadside assistance.

2. If you do not drive a car, you are not required to carry insurance. Urban dwellers, children, and the elderly who do not drive automobiles are not required to carry automobile insurance of any kind.

3. Most importantly, a health insurance mandate instituted by the federal government is unconstitutional. Auto insurance requirements are at the state level and such decisions are reserved by the state according to the Constitution of the United States. The 10th Amendment of the US Constitution states, “The powers not delegated to the United States by the Constitution, nor prohibited by it to the States, are reserved to the States respectively, or to the people.”