Citations? For any of that. Plus insurance companies go to court all the time. Constantly. And you're talking the elimination of court systems in favor for private arbitration. Who's the arbiter, as I asked before how do you ensure that they are impartial? Why is that system less easy to abuse than the current system? How is it "more free"?
Asking whether I'd eat at a restaurant that that didn't have reviews or insurance doesn't answer the question. How do I get restitution against an organization that has greater resources than myself regardless of what service or product that organization provided? You state arbitration. What if they just ignore me? Who ensures that they provide restitution and why can't they just ignore that given the obvious power imbalance between individuals and organizations?
Citations for what? That arbitration exists? Ok knock yourself out:
http://en.wikipedia.org/wiki/Arbitration_in_the_United_StatesYour point is justice and conflict resolution can't exist privately, I'm pointing out it can and already does. The difference between arbiters and courts is they don't use violence to enforce their judgements, that's why it's more free. And please, how do you ensure the current system is impartial which you're defending? In your ideal (what we currently have) apparently rampant corruption is a side affect you're fine with, maybe even a feature?
In the restaurant example, you wouldn't agree to eat there and pay them money without knowing they had insurance if you were harmed. And they should verify you have insurance before letting you onto their premises in case you cause damage or harm. A credit card could show proof of insurance for you, and a little sign or something could show it for the restaurant. Or maybe the restaurant earned entry into an elite group that said if we hurt our customers we will pay for their damages.
If you had damages and incurred costs, you would claim that with your insurer and they would go to the other insurer to recover those costs according to the insuring agreement. You think your own insurance company would ignore you? Whatever imbalance is negated because you have a big insurance company on your side.
Now what's their incentive for being impartial? Because they want their contract to be consistently applied. If you and the restaurant have the same insurer, and you're a great customer of the restaurant and the restaurant has paid lots of premiums for their insurance, they will be quite pissed if the hurt customer wasn't taken care of. This is a bigger deal with companies. How well do you think an insurance company would fare if they didn't pay claims? No one would buy their worthless product and they would be out of business. The insurers would be happy to support impartial arbiters because it would remove them from the appearance of a conflict of interest to satisfy both the restaurant and customers concerns that their losses were dealt with in a fair manner.
Now lets contrast with the current situation where if you didn't have insurance to cover your costs and subrogate on your behalf you'd have to pay additionally for a lawyer and if your damages didn't significantly exceed the lawyers costs, you wouldn't have access to the civil courts.
Citations for police not responding to accidents anymore. That there is no government involvement in the vast majority of insurance claims. Hell the government seems pretty damn entrenched in insurance to make sure that the insurance provider isn't there to screw their customers. Why are they suddenly an angelic savior? My point is not that justice and conflict can't exist privately. My point is that government serves a function to balance out inequity during conflicts.
So insurance for everything is the solution? Rather than a government bureaucracy you're advocating an insurance bureaucracy. This unfairly targets poor people and poor organizations. To lay all conflict resolution at the feet of insurance is a mighty big jump. One I don't think can swallow that one. It would be an innately imbalances system that favors the already in power. Given that impartiality is already compromised. The insurance companies would just always rule in favor of whoever pays them more money.
Who ensures that the insurance companies have enough funds, that they just don't screw people over? More insurance companies?
Are we just going to have a system of insurance for insurance for insurance for insurance, ad infinitum
Straight from the horse's mouth:
How has LVMPD changed its accident response? Officers will no longer investigate or write reports on non-injury accidents. Haha!
NOTE: The LAPD does not respond to traffic accidents that do not involve injuries. Involved parties should exchange information (driver's license/insurance company info) and notify their insurance companies. (If injuries are reported, transfer the caller to the Fire Dept. for medical attention) Looks like we are already laying it at the feet of insurance companies.
And gee, how do the poor fare in our current system?
http://en.wikipedia.org/wiki/Statistics_of_incarcerated_African-American_males Plus the government doesn't actual provide any goods and only limited services, it's the productive sectors of society that do. Govt just steals money and gives it out again for the most part, with the side affect of enriching their cronies and broadening their scope of aggression.