How come we pay money for car insurance, but when our car gets smashed, the car insurance doesn't pay for it?

Car insurance policies work like this: If you get in a wreck with someone, his policy covers your car and your policy covers his. That would be a great system if everybody drove the same car, nothing was anyone's fault, and human beings were honest as angels. Unfortunately, that's not the case. In our current system, if somebody backs into you and drives off, it comes out of your pocket. His insurance agency can't cover damage to your car if they don't know about it. And if someone without insurance smashes your car, you're straight up shit out of luck. Regardless, the person who hit your car gets his damage covered by your insurance policy. What the fuck is going on here?

If some guy rapes me and gives me AIDS, should his health insurance agency cover it? Hell no.

A few days ago, a drunken insuranceless asshole rear-ended my car and knocked the bumper clean off. Because America's irrational car insurance policies don't make any logical sense at all, I have to pay for the entire thing myself even though I didn't do anything wrong. What is the point of paying my money to insure other people's cars? How retarded. Worse off, my insurance now goes up because they had to dish out money to repair his car.

It's always stupid people that get plastered and drive around like maniacs. And ironically enough, that same group of stupid people are the ones who refuse to buy car insurance because they're too stupid. If only stupid people could split the responsibility of being stupid in half. Fifty percent of stupid people would drive like an idiot but have insurance. The other fifty would have no insurance and drive safely.

I think people should have to get a license before they're allowed to drive. Oh wait, they do. Then what the hell is this crap about? That really doesn't say much at all for our drivers education program. Obviously they were never taught that flooring the pedal into the back of a parked car is often counterproductive when it comes to driving safely. Even when somebody is drunk out of their mind, it can't be that hard to avoid a car. If drunks can manouver their tiny penis into a girl's gaping vagina, you'd think they could steer clear of a giant shiny sedan with four blaring red lights on the back of it.

I don't have any money to repair the bumper, but I did find a way to capitalize on the situation and maybe earn some of the money back that I paid the insurance company to cover me in situations like this. When the bumper fell off, there was a perfectly preserved artifact underneath it, so I'm selling the antique item on ebay.

Update: eBay decided to ban my sale. In case you were wondering, it was a dead rat:

Last updated March 18th, 2005