I read a rather dry account of the last Union, Ohio city council meeting in the Dayton Daily News this morning. Nobody goes to these things and fewer people read the articles recapping them. But maybe we should start paying more attention. (I looked for the article online and could not find it, so I scanned it here and will replace with a link when it gets posted.)
Here is why we should start paying attention.
Fire and police departments are receiving less tax revenue and are set to receive even less for salaries when bills like SB 5 pass. But they are still expected to be on the other end of a 911 call. (I think the City of Englewood has a EMS charge, but not fire.) It appears the City of Union would charge for police, fire and EMS services; first to your insurance company and if they don’t pay, to you.
I understand subrogation and why sometimes it is necessary. But when someone calls 911, the last thing they should be thinking is; “Can I afford this call?” If their house burns down, and they are insured, the insurance company will replace it. If their house catches fire, the fire department comes out, and the insurance company will pay for repairs but not fire services, the homeowner could end up paying a whole lot more than the house is worth in fire-fighting fees.
I think the last thing we need is for a family to be sitting on the front lawn with a calculator, estimating how much a 911 call is going to cost and whether or not it is worth it.
In truth, though, what these laws will eventually do is increase insurance costs. The insurance companies will spread out the risk for everyone, charging people who live in Zip Code 45322 a bit more of course. And since insurance in America is a for-profit game, these additional fees will include the profit expectation a publicly-held company demands. These are also post-tax dollars, so they are about 33% more expensive than an income tax assessment would be to cover the additional cost of fire-fighting services for a community.
Government cuts are always nice, but when your income tax tax bill is cut and your total cost of citizenship rises, where is the savings to the citizens? It’s like buying a really cheap printer but paying hundreds of dollars a year in ink cartridges. Or a really cheap car that costs you the retail prices in repairs every two years. Or buying cheap processed food and paying more than quadruple in medical insurance premiums because your BMI is out of whack (assuming you carry insurance.)
Subrogation for essential emergency services is a very slippery slope. I know that the proposed ordinance is limited to “at-fault” incidents. Anyone who has ever been in an accident knows that at-fault is almost never a 100/0% split. In most instances, you are partially at fault simply because you were on the road. Clearly, if your house was not there, there would be nothing to burn.
Once you crack the door, it is easier to fling open wide.
I wonder what other public service will be next?