AsaSure

Now that ObamaCare is the law of the land, and now that the bill's been passed and we can now see what's in it, I've decided we need to propose something similar for auto insurance.  I hereby introduce AsaSure.

First of all, everyone will need to participate in AsaSure.  If anyone chooses to drive without insurance, it drives up the cost for everyone. If you don't drive, you'll still need AsaSure, in case you do. But don't worry, if you like your current insurance, you'll be able to keep your insurance, provided it meet some common-sense standards. 

Every policy will need to cover some basic, common-sense standards.  Body work, collision and routine maintenance will need to be covered.  So will window-tinting, filters, fluid changes and roadside assistance. Custom wheels and high-performance tire replacements will be covered under AsaSure.

Even though the very young drivers have traditionally cost more in claims, we cannot burden this very vulnerable age group.  Therefore we will switch to a community rating system, where everyone in a geographic area will pay the same, regardless of claim history.

Oh, and to protect drivers (and potential drivers) from those evil insurance companies, we'll preclude pre-existing incidents.  But don't worry; drivers are too honest to add AsaSurance after the accident.

Again, like I said at the outset, if you like your insurance, you can keep your insurance.  Unless, of course your policy is underinsurance (meaning you don't have roadside assistance or prepaid fuel); then, if your policy changes, even the premiums fluctuate a few cents, your policy will no longer be valid, and you'll have to purchase an AsaSure.

One final benefit of AsaSure.  We'll set up private exchanges for AsaSure-eligible companies to compete for your business.  Oh, sure, we'll collect ALL of your information in our secure (as we define secure) system and will know whether you purchase.  And we promise the exchange will be fully functional with no major outages.

AsaSure.  The better way to insure driving.