Police Argument (Split from How are you gentlemen? )

[John]

FWIW - I think the accident/paperwork thing is a moral hazard creating from the insurance system and the penal system both relyingon the other for effective punishment and deterrence. The end result being that nobody really does an effective job at much of anythig... not just that police are 'being lazy.'

Yes and no. In my 2nd example, it was a perfect example at how I have a "moral hazard" to fake my condition to have things done correctly. Unfortunately, that would have added thousands on to her insurance claim thus driving up insurance rates for everybody. I agree the entire system is broken...