JT wrote:
basingwerk wrote:
I prefer the current arrangements
This sounds suspiciously like you are actually arguing with yourself here,...
I gave up being a slave to consistency long ago. But
today, I think that townies should pay more than me because they have more public transport options. That could be done by making "pay per mile" funding more expensive in congested cities.
JT wrote:
You seem to believe that the only way to tackle bad drivers is to indirectly regulate them off the road "by proxy", ie by effectively delegating the process to Insurance Companies. This has several clear flaws, notably...
It has little effect on wealthy bad drivers.
There are fewer wealthy bad drivers, so the problem is less. The coppers can watch out for them.
JT wrote:
It adds to the problem of uninsured driving
I can kinda see what you mean here – but it is not insurance that causes uninsured driving, but lack of insurance! I think?!?
JT wrote:
It makes greedy Insurance Companies the final arbiters of who should be allowed to keep driving.
Insurance companies operate in a competitive market, which creates pressure to keep costs low, so it doesn’t matter if they are motivated by fear and greed – everybody is. They indemnify drivers against claims of negligence, so that drivers can pay their way when something happens. I like the concept of making people pay for their own damage.
JT wrote:
We have a perfectly good system readily available to keep the bad drivers from bumping your premiums up, .. traffic patrols … investigate the causes of accidents
Insurance can identify classes of crappy drivers and ban them even before they get behind the wheel! Youths, drunks, speeders etc. all get a drubbing from the insurance companies based on the chances of causing trouble on the roads! People with clean licenses are subsidised by the loosers, providing a clear incentive to improve.
JT wrote:
And wouldn't it be a good safeguard to know that if the worst came to the worst, if the banned driver did ignore the courts, took to the roads regardless and caused a further accident, that the standard insurance scheme would cough up for the innocent victims of his crime without question.
No, it would not be a safeguard, because that very policy would let all the youths, drunks, speeders and crazies etc. back on the roads to cause more havoc in the first place! The idea has to be to detect risk, and identify the perps, not give in at the first hurdle, especially when the ID, satcom and roadside RF monitoring technology etc. is practically the next thing on the agenda, after cameras, and when current record keeping systems are in disarray.