Late night rambling on insurance

Having been in four accidents, I'm the first person to call you a dick for not seeing the benefit of car insurance. In some countries it's illegal to drive without insurance, but I don't think it is in Australia and I can't be buggered looking it up. Personally I don't think it should be a legal matter in much the same way I don't believe it should be compulsory to vote, despite the fact that being forced to vote (or at the very least show up and have our named checked off) is probably one of the things that makes us one of the better countries on this planet.

So while I don't think anyone should be forced into having car insurance, I'm also of the belief that if you don't have insurance you deserve whatever you get if you find yourself in an accident, and a foot up the arse to boot. I've heard people say, in defense of not having insurance, that they don't need it because they're good drivers, but everyone knows that 80% of the others drivers you're sharing the road with aren't so talented behind the wheel. Also, you're probably not as good as you think you are.

The other thing that gets people in a huff, people I know anyway, is the cost. I agree that car insurance is a bit of a rip-off. You pay for something every year that you're probably confident won't even be an issue. That's the thing about buying insurance, hospital cover or any other incorporeal purchase; people find it difficult to justify spending a large amount of money on something that they not only can't see or hold, but are actively hoping they won't need. I hope the thought that you saved a few hundred dollars over the years consoles you when you hit that shiny BMW and you feel your life crumbling around you, much like the ruins of your car.

Personally, I have full comprehensive insurance. I'd be a fool not to, some might say, having been in so many accidents. On the other hand, the odds that I'll be in another accident after already having been in four are pretty slim. So why do I continue to pay out hundreds of dollars every year? I'm not a gambler, I hate spending money unless it's on something I can physically hold, I'm a much more careful driver now than I have been in the past, and at the very least less likely to cause an accident.

So is the $600 a year worth it? You better fucking believe it, pal. And for anyone who doesn't want to spend the big bucks on their own car, have some respect for your fellow drivers and get third party insurance at the very least.