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Insurance is useful when someone might incur a liability which they can't cover.
Yes.
It doesn't directly protect anyone, but it does help when it comes to medical costs.
It protects our well being. Such as, if you hit my car with yours, and you total my car, I will be able to get money for a new car so I can continue to go to work, school, and other obligations. If you don't have insurance, I am entirely screwed.
Not really. In some instances it is still possible for violent offenders to get a gun, people are still not trained to use them, there is no database, and it is not mandatory to report lost and stolen guns.
Not in my view, but it might be something cars in the future will have if it's cheap.
It can also be a good protection for yourself in such instances if you have a good insurance company. I was once hit by this guy, and though he did have insurance, it was through a crappy company and they refused and delayed payments for both my medical and repairs. I went to my company and told them what was going on and they paid for my bills and went after the guy's company to retrieve payment.
Insurance is less about prevention (there is that too), & more about being able
Add in the incentive that, since you are required to carry it, and that if you do screw up when it comes to your driving record your rates go up, then driving safer is of benefit to you. I don't know many people who enjoy paying more money for their insurance, but if your driving record is bad then that is what happens.
Aye, insurance companies (if you use a good one) are a force for good, & also one's ally in avoiding trouble.
Ironically, and maybe it just depends on your local agent and what they are willing to do, I have had Allstate for most of my life and they have always done me well. They were the ones that, when I came into their office with rejected medical bills in hand from my accident, took them from me and told me they would handle everything. And they did. My bills paid, my car fixed, quickly too. They turned around and went after the other guy's insurance company to recoup. I didn't have to do a thing.
A good agent is good.Ironically, and maybe it just depends on your local agent and what they are willing to do, I have had Allstate for most of my life and they have always done me well. They were the ones that, when I came into their office with rejected medical bills in hand from my accident, took them from me and told me they would handle everything. And they did. My bills paid, my car fixed, quickly too. They turned around and went after the other guy's insurance company to recoup. I didn't have to do a thing.
Okay, so given that prayer alone is not enough, what do you intend to do about gun violence in America?
A national discussion about gun laws, terrorism control, etc.. In case you read me wrong. I'm not a pro-gun guy, just a pro-prayer guy. Prayer does not mean you shouldn't do things was the point I was making.
It's actually really sad that we debate this "Muslim" issue, because the thing we should ALL be livid over is they it was known they had contacts with radical Muslims, they had contact with people the FBI was watching due to known extremist views, but they were not watching these people. We have had the TSA put their fingers down the pants of a child, we have police abusing and killing civilians constantly, we have cameras everywhere, the Fourth has little meaning or value today, we are giving up a ton of freedom for this supposed "Security," and this happens. We should demand accountability over this, but we're too ****ing busy debating about the media allegedly neglecting or being hesitant to mention they are Muslim, we're too busy debating gun control (very unusual to bring up during terrorism), and we're even debating about prayer. But we aren't even whispering about how our cell phone records have been monitored but we had some terrorist attacks that failed because of something the terrorist did, we had the Boston Marathon bombing, and now it seems like we have a mass shooting that may be directly tied to ISIS rather than the lone wolves who have been attacking recently.
I'll add that many responsible people can be helped by required training & standards of conduct (eg, proper storage).
Every criminal was once law-abiding until they weren't anymore. Just because someone may be following the law now, it doesn't mean that they are as safe as they should be, as proficient as they should be, or has the full mental capabilities to remain law-abiding. Now, we may not be able to do all that much about the last one, not without an overhaul of our mental health system as well as mental health background checks to go with that, but we certainly can make sure that people are safer, trained better, and perhaps, just perhaps, limited in the types and/or amount of firearms they may have. That is to say, there is no rational legal reason for people to stockpile military grade weapons in their home. That right there speaks to a mental health issue (paranoia, conspiracies,...).