I have a spade in my garage. Calling it a spade doesn't mean that I hate it. Based on your response, it looks like I got your name right too...
A name is an implicit reference to an internal ideal (in the Platonic sense). That reference may be a "false form" in a philosophy class, but in the real world, most people would consider naming to be a useful tool.
Sure, but a spade does not connote anything beyond basic form. Using loaded terms like "statist" does. In the real world, people use loaded terms because they rely on them as proxy ad hominem attacks.
From the victim's point of view, it doesn't matter a whole lot if I drive off the road and through his house during an accident, or if I intentionally burn it down during a criminal act of arson.
Sure, possibly. From a financial point of view, the cost of the destroyed goods would be the same. But a civil case could involve punitive measures stemming from malice, negligence, etc. I'm not sure what you're trying to get across with this one?
There is a reason that you don't get the point.
Probably because it's poorly constructed, or poorly explain. Can you clarify?
Why do you favor mandatory car insurance*, but not "I'm a criminal" insurance? Or do you? In both cases there is "inflict incredibly costly damage" and "unable to make equitable relief".
Because operating a motor vehicle is a privilege, and not a right. By agreeing to use public roads, operators can be compelled to play by rules that are mutually beneficial. In my mind, the shared cost of insurance mitigates the potential for catastrophic loss for any single person/family by essentially guaranteeing that equitable relief can be made. If Freedom Joe is driving drunk and has no insurance because he's gallderned free and the MAN can't hold him down and force him to get insurance because that ain't freedom, and he wipes out a family home but has nothing in the bank, that family is out of luck. With a system of insurance, and a tort component, that family has the ability to seek relief.
Why does the family home not have insurance? Surely the owner understands that they face non-zero risks from many sources, not just your cliched redneck...
Have insurance for what? Property loss? That's certainly possible, and makes sense.
If the argument is that the driver must carry insurance because they might cause damage through accident or neglect, why does that not extend to making the driver also carry insurance to cover damage they might do through crime? By what principle do you draw the line?
Because operating a motor vehicle is a privilege, and not a right. By agreeing to use public roads, operators can be compelled to play by rules that are mutually beneficial. In my mind, the shared cost of insurance mitigates the potential for catastrophic loss for any single person/family by essentially guaranteeing that equitable relief can be made.
Logic always catches the unwary. If the potential to cause "catastrophic loss" is a reason to force a person to carry insurance, surely that should apply to all potential catastrophic loss, right? The loser feels the loss all the same, without regard to how or why the losee did it. Why must the losee make advance preparations to help the loser recover from one loss, but not the other?
The potential to cause catastrophic loss is not, by itself, reason to force a person to carry insurance. This is another example of an argumentative fallacy. Instead of making a distinct argument you're posting strawmen arguments, or false dilemmas. Because you don't have a robust counterargument, just a lot of attacks.
May I suggest that your guiding principle may perhaps be that one is already common, so you support it, while the other shows the absurd conclusion to your arguments, so you deny it? I've seen this movie before. We all know how it ends.
May I suggest, as a counter, that your guiding principle is simply to be contrary to the status quo? I've seen a lot of movies, I can't remember how most of them end to be honest. Good tangent, though.
Why can't the owner of the valuable thing purchase insurance to protect their assets instead?
So, you favor anti-criminal insurance? How does that work? That's shifting the burden out of pure idealism, which is both confusing and stupid.
I have insurance that protects me against criminal actions done against my self and my property. Surely you do too, if you aren't homeless. If you find that concept confusing, perhaps you can use a nearby shiny surface to locate the source of the stupid.
I am so happy for you; I still have no idea why you feel shifting compulsory insurance from one party to the other in your binary situation is an argument against compulsory insurance. You're just shifting the cost, with a similar end product. And lots of ad hominem attacks to make you feel better about yourself.