The expert – “Well, you do know that when you go to the DMV and REGISTER your automobile, it is for the PURPOSE of being able to do COMMERCIAL BUSINESS from it, because YOUR name has been converted into ALL CAPS, and that converted YOU into a CORPORATION. And because your car is now REGISTERED as a MOTOR VEHICLE, you are presumed to be ALWAYS using it for that purpose, therefore, you MUST get a DRIVER’S LICENSE so that you can DO BUSINESS from your MOTOR VEHICLE, which means that YOU are ALWAYS doing business too as long as you have that DRIVER’S LICENSE, just like a CORPORATION.”
The uninformed but terribly insistent and clueless Statist – “But, *I* want the State to require licenses and make sure everyone has one, because, if no one had a license, how would we be able to tell if they have been properly trained on how to handle and operate a car? Without proper training they would just run over everyone and cause tons of accidents. The license is the only way that we know they’ve been trained. The State has to be able to control who can get in a car and be on the highways with other people by making sure that they are properly trained. Also, without insurance, who would pay for all the damage they could cause if they were involved in an accident? I would certainly want them to be able to pay if they injured me or a member of my family. Without that license and insurance, they would probably be far more likely to kill or seriously injure someone.”
I hate to be the one to break it to the both of you, but, your beliefs on registration, driver’s licensing, and insurance, are not only patently incorrect and totally misplaced, they border on the delusional.
For example, using the ‘expert’s’ logic, simply possessing a fishing license would subject you to a game warden’s jurisdiction for writing you a citation just because you were buying fish at the supermarket and didn’t use some sort of state-mandated baiting scheme. This is akin to the idea that simply because you applied for and received a license to do something, then, you MUST be doing that something ALL the time under the authority of the license regardless of where you actually are or what you are actually doing, like ‘grocery shopping’ instead of ‘fishing,’ with ‘fishing’ being the only thing the license would apply to. Just because you have a license to do something does NOT mean that you ARE doing it or MUST do it simply because you have a license to do so, or that when you are doing something, then that something must be what the licenses applies to. That is simply NOT the case.
Meanwhile, using the ‘uninformed clueless’ logic, we can see that it is a gross and Utopian delusion based entirely on an infinite misunderstanding about every aspect of how the system is designed to work. And both are completely unaware of how well this system truly does precisely what it was designed to do, collect infinite amounts of private personal information and data on everyone, to disseminate volumes of disinformation intended to indoctrinate the public into accepting such Ponzi schemes as a “requirement” for the public safety and welfare, by which it can then be used to defraud the People of literally billions of dollars each and every year. All while also subverting the very foundation of our constitutional principles regarding personal privacy, freedom, and liberty, both to move about the land and to be free from any unreasonable search and seizure and governmental tracking of our every movement.
First, just exactly WHO is responsible for providing all of this alleged ‘training’ that the uninformed clueless is speaking of? A high school gym teacher, a substitute teacher, a willing parent, a friend with a license, a driving school training instructor? Where did any of them get ‘properly trained’ to learn how to control a conveyance if not from the same sort of people in the same sort of places with the same sort of skills and experience? What are their qualifications to actually teach others this skill? And even more to the point, who is going to be there to teach those newbies behind the wheel actual experience, which, in my honest opinion, is the ONLY true teacher of how to travel in a private conveyance upon the roadways in a safe and acceptable manner that best protects everyone.
Well, Mr. and Mrs. Expert and Clueless, you are aware that no such ‘training’ is actually required prior to testing for a “driver’s license,” right? And even more to the point, no actual time or experience behind the wheel is required either. Absolutely NONE. Anyone, and I do mean virtually anyone (yep, even the ‘illegal’ aliens) that goes down to the DPS/DMV licensing office, and then takes and passes both the written “driving” exam and the physical “driving” test, is suddenly and magically somehow competent, proficient, and completely ‘qualified’ and ‘trained’ to get a license, right? In fact, anyone can simply study the DPS/DMV licensing handbook, take the two tests, and if they pass, they are fully ‘qualified’ and ‘trained’ to obtain a “driver’s license” in any State of the union. So, what actual ‘training’ or ‘experience’ are you referring to that the “license” is supposed to magically ensure that everyone has, since passing these two exams are the only real requirements standing between them and getting one? Thus, the completely false rhetoric that a license is necessary to ensure that the public is ‘safe’ from ‘unqualified’ and ‘untrained’ highway travelers is nothing more than Statist control freak concocted bullshit designed and proffered to a mentally deficient public that thinks their rights come from the generosity of their benevolent elected officials.
How many traffic accidents are there in the USA every year combined? We can’t really be sure since many of them don’t result in fatalities, which seems to be the only reporting data most folks are interested in. But rest assured, whatever the percentage of people who actually die, it will probably pale in comparison to the actual number of accidents that resulted in at least some sort of property damage or injury that didn’t result in death.
Now think, of all of those people involved in all of these accidents, especially those individuals that were to be actually blamed for causing them, and tell me just how many of those that were found to be at fault in the accident did or had possessed a valid “driver’s license?” I mean, if the Expert and the Uninformed Clueless are truly both right, then the possession of a “driver’s license,” whether past or present, is supposed to be some sort of temporary magical talisman guaranteeing that the possessor could never be involved in or cause an accident because the mere possession of the various licenses and sticker permits allegedly would have made them competent, trained, and experienced so as to be invulnerable and protected from having accidents, right?
This Statist libtardian-brain-damage induced pipe-dream of a fantasy appears to be rooted in the age-old Statist belief that “If government made me sign a piece of paper saying that I was receiving a license so that I COULD do something, and I paid the necessary fees for it, then, once I had it in my possession, I would no longer be susceptible to bouts of stupidity, negligence, human error, or intentionally malicious acts using my car. The license would automatically make me completely competent and incapable of making any mistakes in judgment or action that could cause me or anyone else a problem.”
Sooooo, what the hell could have possibly happened with a belief like that in place? Apparently, you all seem to think that such accidents are entirely and automatically preventable by the mere application for and receiving of a “driver’s license.” Oh, and heaven help you if you are ever in your car on the highway while having lost track of time as to what month and day it is and BOOM!!, that “license” suddenly expires like Cinderella’s ball gown because you aged one minute too many at the stroke of midnight!
Do you know who the very first person to put me behind the wheel of an actual car on a heavily trafficked city street was? A slobbering drunk named ‘Jay,’ who was in fact, slobbering drunk at the time. The car was a HUGE old Cadillac. You know, the kind that folks used to refer to as a “land yacht.” The ‘training’ went sort of like this “Puuuht uht inz gurhz. Kupzs it bahtweeenz thurz linzez. Durn’t hits nuthins.” And then his head made a loud THUD!! as it fell against the dashboard glove box. But, not only was I able to decipher that speech in order to actually put its directives into practice, I managed to perform those procedures and maneuvers quite successfully. Except for one moment when, just as another car was coming, I had to cross my first narrow bridge of (allegedly) two lanes, which actually seemed much more like 1-1/2 lanes really. I actually stopped dead in my lane in the middle of the bridge and tried to look all nonchalant and cool like I did this all the time, at least until they passed me by. That way, I figured, I wouldn’t run the risk of swerving too far one way or the other and bumping into them or the guardrail on that narrow stretch of pavement. Which would have been entirely too easy to do since the steering in that caddy was as sloppy and loose as that of ‘Jay’s’ current condition of sobriety.
After that, I was fairly often behind the wheel of various kinds of cars and trucks. That was the very first and really the only ‘training’ I ever had on “operating” a “motor vehicle” upon the “highways.” I was thirteen years old. By the time I took driver’s ed at 16, all of this was already old hat to me, and it really did nothing more than provide me with ample opportunity to get out of going to classes and get behind the wheel just so I could chauffeur my coach around to various ballgames and track meets, whether I was participating in them or not. So much for ‘qualifications’ and ‘training.’
Second, how does mere possession of a little piece of plastic make some people more skillful or safer than someone without a similar piece of plastic? Especially when they were both “trained” and provided experience in exactly the same manner by more or less identically skilled people? Furthermore, just how is a little square of plastic supposed to actually ensure a person isn’t prone to sudden attacks of stupidity or negligence, will always observe a particular pattern of behavior, or provide an individual any kind of actual personal protection from anything more intrusive than an insect bite? If those people were really ‘safer’ “drivers” than someone who is without a “license,” then, in reality, there should virtually never be an accident involving a “licensed driver” who could be found at fault versus one that is not “licensed,” correct?
If the acquiring and maintaining of the “license” is supposed to be all about the quality of the alleged “training” provided to the “driver,” on the premise that it allegedly better provides for the public safety and welfare, then why aren’t you required to retest and re-qualify for it every single time before you can renew it? After all, they make you do that for a concealed handgun license don’t they? Why not a “driver’s license?” Why exactly is it that you are only required to test for competency to get a “driver’s license” only once, usually when you are a teenager, and then never again, even if you are still renewing your “driver’s license” 80 years later? The answer is far more simple than you imagine. It’s because it isn’t now, and it never was, truly or legally about ANY of those piddling sophistries spoon-fed to us for decades, like that of it being for the benefit of the public’s safety and welfare.
Third, Mr. and Mrs. Expert and Clueless, have you ever tried to actually collect restitution from an insurance company, even when the other person was inarguably and indefensibly at fault in the accident? I can’t speak for how it actually works everywhere else, but in Texas, the laws are specifically written to protect the profits of the insurance company from liability and not you, the injured party. Here, an insurance company is not required to pay a claim first and then dispute it if they can show that there was actually fraud perpetrated by the person making the claim. Instead, they get to presume from the very beginning that everyone, including you, the actual victim of the injury, is actively trying to defraud the insurance company by default by even making a claim. The insurance companies can, and often do, simply refuse to pay absolutely anything at all unless you actually file suit and win. But, even if you do eventually win, your payout will come only after the years-long appeals process has finally run its course and you have managed to remain victorious throughout.
However, if the attorneys and judges aren’t actually lying to all of us about the facts of the law, like they do in every other case, Texas law is actually written so that you cannot directly sue the individual’s insurance company for refusing to pay. You must personally and directly sue ONLY the individual covered by the insurance company, as the company will almost always refuse to settle and pay up regardless of whether or not the individual responsible for your injury actually admits fault and wants to settle the case fairly. Furthermore, when you do actually sue, you cannot even mention that the individual had insurance to begin with. Nor can you get the person you are suing to declare such under oath on the witness stand. In fact, if you do try to obtain testimony of this nature at all, the judge will immediately declare a mistrial. This means that your case will have to start over, and there will also probably be sanctions against you for having gotten such an admission on the record about why you are having to sue in the first place.
This is, of course, meant to make it appear as if you are the one trying to sue and take money directly from the pockets of the other individual that you really shouldn’t be entitled to, rather than to simply get what you are long and rightfully owed by their insurance company. Meanwhile, the insurance company attorney will stand right in your face and tell you straight out, “We prefer to make you sue us in court. The reason being that we will almost always get a better monetary payout result from a jury verdict than we would if we had to actually pay all of the bills up front that our client made us contractually and rightfully responsible for by causing the accident.”
How do I know all of this is true? Because, back in 1994, I experienced this exact scenario firsthand, and the process you have to go through is in no way whatsoever fair and proper in its methodology and dispensation. Despite the cliché’, there really was a little old lady in a large luxury travel van who made a completely unexpected and unforeseeable left turn directly in front of me at an intersection while I had the green light. She waited until I was right at the intersection before she turned, resulting in my hitting her van broadside doing a full 50 miles per hour.
Now, in those days, I had reflexes faster than those of a wild bobcat that had accidentally discovered the wonderful side effects of caffeinated coffee. But even with that advantage going for me, this collision was so quick and unexpected that my car’s tire skid marks were only about 10-20 feet long from the point of engaging the brakes until impact. My medical bills and continued care estimates were going to be over $43,000.00, dental bills from shattered and cracked teeth from where I hit the steering wheel with the side of my face were estimated to run over $7,000.00, and my car was completely totaled. I still have back, knee, and hip joint pain and stiffness from those injuries to this day, having been able to only afford and receive minor medical treatment and the mandatory C.A.T. scans and x-rays that I knew I was going to need even if for no other reason than to prove that her actions did injure me.
After trial (which was over four years later), the jury awarded me a grand total amount of $1,700.00! That is ONE THOUSAND SEVEN HUNDRED Dollars for more than $50,000.00 in medical and dental damages, plus the cost of replacing my totaled car, which I never received one compensatory penny for having lost. All because Texas law is written to force me to sue a 68 year old woman whose husband had died from cancer just two months before trial, even though the lawsuit had actually been filed more than four years earlier. And the scumbag attorney for the insurance company (the one with the “Your [money is] in good hands [and CEO pockets]” catch phrase), refuses to pay my perfectly legitimate medical and dental bills because he knew that the jury would protect his true clients profits as long as they believed that I was trying to actually get the money out of the life savings of a recently widowed old lady rather than her predatory thieving insurance company. And he was absolutely right. Even though the lady admitted through stipulation and testimony on the record in open court that she was completely at fault in the accident, I still had to sue and bring it all to a jury to recover anything at all. All that time and effort spent just to wind up with absolutely nothing but $1,700.00 to show for my efforts and four long and completely frustrating years of back room deals and litigation so I could endure the still ongoing years of pain and suffering sustained from those injuries.
But, what reasonable jury, having never been through something similar to my experience in the matter, wouldn’t find for a recently widowed little old lady defendant when her attorney is allowed to present a case that falsely makes you out to be a profiteering thief trying to defraud her of all her savings by making false claims of damages and injury? Meanwhile, you and your attorneys are never allowed to even mention or hint at the fact that the only reason you sued her at all is because the real client her attorney is working for, her insurance company, was playing the odds that a jury would give them a much lower payout judgment than what they were contractually responsible for.
So, by simply refusing to pay anything at all up front, the insurance company gets an unfair advantage and much better odds of winning and paying substantially less than what is actually fair and just by simply refusing to pay for any of the injuries and damages their insured client caused. Injuries and damages that the client had contracted with them to indemnify her for if and when she was ever the one at fault in an accident. Which was most certainly the case here. The allegedly mandatory insurance indemnification that the legislature purports to require us all to have, supposedly existed to protect ME from HER negligence, so that I or my family wouldn’t suffer financially from all the medical bills and property replacement costs her actions brought upon us. At least, that is how I remember the big public [dis]information campaign presented to the people of Texas as the reason why everyone should be forced to pay for insurance if they were on the highway in a car. I learned the hard way that it was then, and is now, all horse shit. Absolutely putrid and never-ending horse shit.
You might also ask why I didn’t simply file for all of this on my own auto insurance and let the two insurance companies hash it out. That answer is not any better from a compelled insurance argument’s perspective. The accident happened in the late afternoon of the third day after my monthly premium was due, and which had actually already been paid. At the time, my car insurance payments were set up so they were drawn by automatic debit directly from my bank account on the fifth day of each month. That month’s payment was withdrawn on the regularly scheduled date, according to my bank records. However, within an hour of my calling in and reporting the accident to my own insurance provider on that fateful eighth day, three days after my payment had been made for the month, the payment was suddenly refunded into my bank account and my insurance was canceled for allegedly failing to make the payment before the third business day after it was due. Did you follow that? My insurance company, who had already been paid on time and in full, refunded my payment and canceled my coverage as soon as I reported the accident and informed them of who the other person’s insurance company was.
It turns out that the other person’s insurance company always refuses to pay the victim’s claims if they are over some piddling amount for the express purpose of forcing litigation before a jury, where they know damn good and well that they hold a totally unfair advantage that keeps their profits high by keeping their payouts much lower than they would otherwise be by simply paying a completely proper and justified claim. To further add insult to already painful injury, I was told by my attorneys that there was nothing I could do to sue my own insurance company under Texas law, even though they had decided to suddenly cancel my policy without notice and after payment had already been made. And the reason I couldn’t sue them? Because they had 100% refunded the balance of any moneys paid in for that coverage period. Never mind that I was now needing and expecting them to honor the insurance policy that they had been collecting on, because compulsory insurance statutes allegedly state that I must pay for it. Just like the little old lady was allegedly required to pay for it so that I, we, and everyone else, would allegedly be “protected” from unexpected and undeserved financial losses and outlays due to accidents caused by someone else. So I had no choice but to pay somebody, right? And never mind that I had never filed a claim with them, or that I had faithfully and timely maintained my insurance with them for more than two years by that time. It began to seem like I was constantly being informed about how this was simply the way the law worked in these cases. Which again brings me full circle to the same conclusion… it’s all horse shit. Complete and total horse shit.
Of course, we should also consider the other group that primarily benefits financially in a huge way from these types of controversies, and that is the attorneys. These laws were written and put together by attorneys that once worked for the insurance companies and their lobbyist groups. The insurance lobbies put together a “dream team” group of insurance accountants, attorneys, and partisan legislators, who then made their collective dreams of exorbitant profits of both a corporate and private nature into legislative bills and submitted them to be voted upon by all of the other ambulance-chasing and industry whore attorneys acting unconstitutionally within the legislature to line their own pockets at or expense. All of whom work in or at last partly own law firms that would most certainly financially benefit from these laws in some form or fashion before the process of filing and fighting a lawsuit for payment of a rightful claim would be completed. That is the real meaning of ‘special interests’ in politics and legislation.
Through the long-term litigation and payout process in pursuit of large judgments, it is unquestionably in the Bar and attorney’s guild lobbies best interest to keep these laws operating precisely as they are. And doing so is not especially difficult when you realize that the legislature that submits, passes and sustains these laws, and the courts that rule they are all perfectly constitutional and equitable, and the trial attorneys that promise to do all they can to get you a fair settlement (as long as you promise that their cut comes directly off the top before any other expenses are paid), are all [subversively and unconstitutionally] controlled entirely by this very same fraternity of attorneys. Every Bar-card carrying attorney is a dues paying member of this fraternity, and reaps huge financial rewards from how it authorizes them to ‘legally’ manipulate cases and conduct business in this manner. And business is booming a thousand fold compared to how much litigation of this kind was seen in the courts just a few short decades ago.
The legal sorcery hidden in the demonstrably false illusion of protection from financial loss and liability via compulsory insurance is one of the biggest lies in this entire “transportation” scam we are currently being forced to live under. While the insured person who is actually at fault by causing the accident may be somewhat financially protected, the individuals and families trying to be rightfully compensated for their injuries and property damage are the ones that will continue to physically and financially suffer the most, because under current Texas law, it damn sure won’t be the insurance company. And this is true even if the injured persons have a lawyer [allegedly] acting in their best interest, just like I thought I did.
If compulsory insurance schemes were really about financial protection and compensation to those that are harmed by the fault of another, you would think that the law would require the insurance company, once provided with actual verifiable bills for the damages and injuries, to pay those damages first and potentially question later. As to the other areas of such suits, such as pain and suffering, continual care, pain management, etc., that is the stuff can be argued over a protracted trial period. But the costs associated with any actual loss, damages, and injuries should never be up for discussion, debate, or to allow any unnecessary or prolonged delay or refusal to pay. And later, and only if they actually obtain some real evidence that an act of fraud had actually occurred, the insurance company can sue to recover any money lost to fraud and seek to have the fraudster brought up on criminal charges. That is what would actually be in the best interest of the honestly suffering and injured parties. But, we all know that their legislative lobby group is not nearly as big and well-financed as that of the insurance company’s and the legal fraternity that gets rich off of them.
And as to other points of this discussion, such as when it comes to registration of your car, i.e. your private property, you must understand that registering your car is nothing more than getting a “license” for the car to be ‘used’ for commercial purposes, which is not any different than licensing yourself by obtaining a “driver’s license” for the same purpose.
Therefore, if you are not actively engaged in ‘using’ the public roads for the purpose of “transportation,” i.e. commerce, then neither you nor your car are ‘using’ the “licenses” you applied and paid for and presumably possess. Traveling upon the roadways for private business and pleasure is an unalienable right of liberty in the form of locomotion, according to the historical case opinions on the subject. And an individual’s RIGHT to private ‘use’ of the highways for their own personal business and pleasure is not at all the same as the privilege of engaging in commerce upon the roadways by ‘using’ them as a place of business for private profit or gain as a “driver” or “operator” who is “licensed” to engage in “transportation” upon them.
So, none of these various licensing and registration schemes is at all about the public safety and welfare in 95% of cases, because those cases are directed at private individuals to whom those schemes do not and have never applied. But, what they ARE about, and DO do with these various regulatory schemes, is to compile and combine the collected individual private information of all American’s who have fallen for this scheme in order to provide the State and Federal governments with an almost perfect and constant method of controlling and tracking the movements of every individual and their property within our territorial borders. You doubt me? Well, consider this; hasn’t every state in the union created laws that allegedly make it a CRIME to change your address or other personal details and then NOT update that information in THEIR records relating to these schemes within a specific period of time? Haven’t almost all of them joined into an unconstitutional “multi-state driver’s license compact” to not only share information about you that is stored and used in conjunction with these schemes between them, but to also cooperatively ensnare you in their little petty thefts through the use of completely unconstitutional Bills of Pains and Penalties in the form of fees, fines, and other forms of legalized extortion? You bet your ass they have and they do!
It is important to understand that the “driver’s licensing” scheme was originally pandered to the public as being intended for application only to those ‘taking’ and ‘using’ public resources, i.e. the highways, for the purpose of generating a personal profit or gain associated with that ‘taking’ and ‘use ’ as a place of business. This ‘extraordinary use’ by increasingly larger and heavier devices of transport, placed excessive wear and tear on the roads and highways rightfully belonging to and paid for from the private personal pockets of the collective public for their private use. Which is what the fees, and even the later-added civil fines, that were associated with the “licensing” scheme were originally meant to compensate the public for. Not to be a profit motive and base for the State Corporation to act in a manner that appears to have unlawfully converted the unalienable right of the people’s liberty into a regulable and taxable legal privilege to be exercised only at the grace and pleasure of government with the added benefit of generation of revenue upon the now bloody back of what was once an unquestioned and undeniable right to locomotion at one’s own whim and of one’s own manner of exercising it, whether by foot, carriage, horseback, oxcart, or automobile.