No fault of your own.

So I have to speak up on another thing about our society that makes me all red behind the eyes and summons the voices from the dark places inside of me. No fault auto insurance, what a stupid concept. In most states in the good ol' U.S. of A. (holes) you are required to have auto insurance, if you wish to drive about on the public streets and highways. The irony of living in a so called,"free country", that requires you to do so many things and follow so many rules is not lost on me but that is a subject for another day. The thing that is bothering me today is that, no fault insurance is basically a way to tell you that you are responsible, at least ten or twenty percent, for any accident even if it was not in the slightest way your fault, just because you are there to get hit. This is a perfect example of bureaucratic stupidity. In a no fault policy, you are responsible for bieng in ahe area, even if your car is parked in your garage, well I geuss, you parked it there, shoulda known that eventually someone was gonna get wasted and drive through your garage door. Insurance companies are such crooks and on such an amazing scale. They will gladly take your money from you but you have to shake them by their nuts to get them to pay out a claim, I can't see why the american people allow them to operate any more, one would think we would learn our lesson after a few decades. How can you hold a person responsible for occupying an area? That is what humans do best, take up space, you can hate them for being the loathesome lumps of wasted flesh that they are but that shouldn't make any difference on their deductible. Insurance companies claim that no fault keeps the rates lower, that is a big bowl of crappy-O's, they are soley to blame for the price of auto insurance. They set the prices, if they wanted the prices to be lower, they could just lower them, however, it is much easier to make up a lame excuse. The american people will swallow it anyway, that is what they do best. Oh how I hate these insurance people, hate so much. What about Act of God insurance, in our super religious society, shouldn't everything fit in this catagory? If he made all this stuff and is responsible for all these people, then isn't it his fault? Why would I have to pay a premium against gods will, sounds like heresy to me, also, what gives insurers the right to tell us what god is responsible for and what he isn't? I thought the lord worked in mysterious ways, so a drunk crashing into you could be as much gods doing as having a rain of frogs destroy your house. God fault insurance, mabye all these insurance companies should turn their panhandles toward the big ministries of the world, 'Hey you guys represent your version of god' they would say,' so give us all the money to insure everyone'. They would follow up with. could the insured have a rider on their contract that states that they must pray in order to recieve act of god insurance, or the only way to lower their premiums would be to sacrifice their fattest calf or newborn son? I just had to rant about something for a while, it bugs me that I could be held responsible for the stupidity of others but I am not allowed to beat people when I see them being stupid. Such an unfair idea, mabye if the smart could beat the stupid, the stupid would evolve into the smart, is this not the basis of natural selection?