J
joe_clark
Guest
Please check your policy. Beside liability insurance, Property insurance and car insurance also cover : Your and others funeral expenses, limited medical coverage for you and others. If someone injures you in a car accident, your insurance company will foot the bill if the other driver has no insurance. See uninsured and underinsured clauses.You cannot compare health insurance to car insurance or property insurance. They are quite different.
First, car insurance and property insurance are things you only need to carry if you CHOOSE to operate or own those pieces of property.
Second, these insurances are actually a protection for OTHER people FROM you. They are not mandating that you must choose a form of protection for yourself.
This is evident in that the only required forms of car insurance are liability and property damage. This is to protect the people YOU may injure when you cause an accident, making sure that there are resources available to help cover the damages you cause to person or property.
It is similar with forms of property insurance: liability to cover injury to others when you are negligent, and replacement coverage for damages that you must purchase to protect the investment of the lender who is lending you money. Nowhere I know of are you required to purchase property replacement coverage for yourself–it is only to cover the mortgage lender.
Health insurance is a personal coverage only. Forcing someone to choose how they want to cover themselves is a violation of freedom. Requiring someone to carry protection for others against what you might do to them or their property interests (the money they lent) is a perfectly acceptable form of a contract when you choose to acquire or operate those things that may cause such injury to others.