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The Effect of Insurance on Our Society: The Explosion of Entitlement

We can all admit that today’s society lacks responsibility, but conservatives and leftists alike struggle with entitlement.

For example, your car is smashed by a tree or your house catches fire while you’re out of town. You pay a debatably reasonable monthly rate for financial security in case this very thing happens. However, imagine living in a world without insurance. The tree between your yard and your neighbor’s lands on your car. Unfair, right? Why should you have to buy a new car? After all, it wasn’t your fault the tree fell…

This is the entitlement dilemma facing our society today. If it wasn’t our fault, we should have to bear the consequences, but that just isn’t the way life works. Insurance has dragged our culture away from reality. Natural disasters, sickness, disease, and other catastrophes strike no financial fear into the average American’s heart, since approximately 80 percent of motorists have car insurance, 95 percent of homeowners have homeowners insurance, and 90 percent of Americans have health insurance.

While I neither condemn nor even criticize the business of insurance companies in providing a very beneficial service in our capitalist nation, I merely wish to point out the societal effects of insurance.

The world’s first insurance company came into existence in the wake of the 1666 Great Fire of London. After this catastrophe, ordinances were put into place requiring buckets and ladders in certain vicinities to prevent future fires. In addition to these ordinances, an organization was established to indemnify for losses from the fire. Thus, the first insurance company was born.

One of the most notable benefits of insurance is the promotion of “risk control activity.” According to Risk Advisor at Ellerbrock-Norris Chase Bassett, “insurance policies provide incentives to implement a loss control program because of policy requirements and premium savings incentives.”

Furthermore, the insurance industry significantly stimulates our economy, distributing more than $300 billion through claims and benefits and investing over $1 trillion.

Despite many beneficial effects of insurance companies, the unquestioned acclamation to the growing sense of entitlement and loss of reality in American society should be alarming. While the innovation and benefits of insurance are to be praised, the societal effects are inexcusable.



Rachel Hall

Rachel is a Junior at Clemson University in the Lyceum Scholars Program. She manifests her passion for the gospel of Jesus Christ and politics in debate and writing. When she is not traveling, she is on a horse. You can follow her on Instagram @rachelsheridan__.


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