My Proposal For A Fair

Auto Insurance System

I think insurance should be sold with the understanding that the insurance your buying is for your vehicle, your property (in the vehicle), and your passengers.
If your involved in any kind of auto accident, or if your vehicle is damaged in any way, your insurance provider is responsible for repairs, personal injuries and loss of any property.
This should be regardless of who's at Fault.
Under no circumstances should the policy holder be penalized in anyway for filing claims against their insurance provider.
Fault should be dealt with but only in regards to traffic citations, driving record, and any court action as a result of your ticket.
The insurance providers should be allowed to raise the rates of people who are at fault in traffic accidents (more than one) , receive numerous tickets, and are judged irresponsible because of a combination of the above, or multiple occurances of any one.
There should also be exceptions to the rules or special circumstances. For instance, there should be exceptions when "commercial vehicles" are involved in accidents and are found to be at "Fault".
Public transportation would have to be an exception of somekind.
I dont claim to haveall the answers, but i do know this system is fair. The way its executed and regulated would tell the tale.
If we could keep the special interests (aka "Insurance Industry") fingers out of the mix, this system can and will work.










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