First, a little set up. The President wanted to explain to the dullard Republicans and the rest of us watching on C-SPAN 3 (“The Tres!”) how not all insurance policies are equal. Now, this seems like an obvious thing to anyone with a brain in their heads, but the Lecturer-in-Chief felt the need to lay it out for us plainly with a story from his own past. That was the reason he decided to reach deep into his Bag O’Brilliant Homespun Analogies and pick a winner (as opposed to this winner-picking from another place entirely). Alas for him, the only thing he managed to prove is that he doesn’t know how insurance works.
When I was young, just got out of college, I had to buy auto insurance. I had a beat-up old car. And I won’t name the name of the insurance company, but there was a company — let’s call it Acme Insurance in Illinois. And I was paying my premiums every month. After about six months I got rear-ended and I called up Acme and said, I’d like to see if I can get my car repaired, and they laughed at me over the phone because really this was set up not to actually provide insurance; what it was set up was to meet the legal requirements. But it really wasn’t serious insurance.
Now, it’s one thing if you’ve got an old beat-up car that you can’t get fixed. It’s another thing if your kid is sick, or you’ve got breast cancer.
I realize I wasn’t educated at Harvard and I’ve never been a professor at the ritzy Universty of Chicago, but I do know the difference between liability insurance and collision insurance. I also know that when another driver hits your car from behind, that driver is responsible for the repairs. At least that’s how things work out here in Clinging Country.
In the end, though, the joke may just be on us. If the Democrats have their way, a man ridiculously ignorant of how his own auto insurance policy works will be in charge of in charge of everyone’s health insurance. Won’t that be a hoot?