What If Car Insurance Were Like Health Insurance?

It's a beautiful journey. You're tooling down a road and invest in a nail in your fatigue. A few miles afterwards your tire is running low so you stop at the local garage and it plugged for 10 money. They suggest you buy new tires before now winter.

It's been a few months since your last sustain change. Since it's a night day you pull into Lube Stop to spend $50 on platform explosion change.

In fact before is so nice, you fill up your tank and obtain a long ride in the united states.

On the way back you discover your brake pedal is low, so plan to contain the brakes relined in the near future before the rotors contain it damaged, another $75.

What's missing for the equation? You didn't consider thinking your car insurance to afford expense.

Now what if car insurance were like health insurance policy?

Imagine new laws requiring every gas station to submit a claim every time you weigh down at the pump. But good news - you aren't required to pay coming up. Tires, gasoline, and oil changes are now covered under your low car insurance.

Under the new regulations the gas station has to wait 30 to 60 days for payment. Of course, work clerk who submits a directory of claim wants her living your life weekly. The person who reviews the claim does as the right way. The insurance office also provides expenses for postage, plans, and rent, not to mention they hope to make a profit. Some claims is mostly denied or lost, so the gas central would naturally charge everyone some extra to cover losses.

Do you think nearly gas would be exceptional or lower? Would it actually cost approximately to provide the alike service?

Suddenly your $800 in order to gasoline and maintenance has blossomed to twice that - or maybe more.

The station owner is angry because he has to hire more help, wait have to be paid, and deal with frustration.

At least to using you (the customer) are happy - until you acquire your insurance bill, which has increased by $1600 to afford new services.

But when you receive the bill you've get accustomed to free gas. Hmm, perhaps if you merely drive more you'll make amends for the increase in monthly premiums. You'll get new tires oftener, as often as the particular insurance allows. And various, you'll want the most modern - no off-brands could.

This scenario is just what's happened with health insurance. And thus premiums spiral higher and higher. Does any of this be the better choice to you?

It doesn't embark on genius to see which when everything is "free" the "need" really is endless. Of course, nothing is free, it only seems so much. You're still paying via a third party. And if you've just paid, you want the best - AND ensure pay an extra dollar correctly.

Of course, your insurance will have their shareholders in accounts, and must generate a return, even if this goes against your best interest. Soon only generic gas and knock-off tires is an additional covered, not to talk about low-test gasoline. All this at twice the price you used to hire.

Makes you want to go back to the good old hours, doesn't it?

Copyright 2010 Cynthia N. Koelker, M. D.

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Cynthia J. Koelker MD is mostly a family physician of over two decades, and holds degrees the day MIT, Case Western Reserve University Medical school, and the University for the Akron. She is the journalist of "101 Ways to save money on Healthcare. "