As has been pointed out before, if they allowed folks to pay after the fact, knowing human nature, many wouldn't pay till they needed the service.
And then they would pay a lot more. It is the whole principle of insurance. You pay less up front but you pay more later.
Listen to the facts: The guy told 911 he would pay whatever it cost to put out the fire.
That means, contrary to Matt Wade who apparently didn't read the article, he was not expecting to get something for free. In fact, he was going to end up paying far more than $75. And he was willing to do that.
annsi said:
Should the firemen put their lives at risk for someone who did not want coverage? He chose to say "No", I do not want fire coverage. Now when his house is on fire, he suddenly decides differently and everyone is supposed to go ahead at his beck and whim??? I don't see that happening in ANY industry.
It happens in every industry. People who choose not to have health insurance pay higher for health care later on when they actually need it. People who choose not to have extended warranties on their cars take a risk and understand that they will pay more for any problems they encounter.
Again, remember the facts: The guy did want fire coverage and he offered to pay whatever it cost to get it.
It's like life insurance. If you buy life insurance at the age of 25, you pay less than if you wait until age 50 or 60. If you buy health insurance when you are healthy, you pay less than when you are sick. If you buy an extended warranty on your car, you pay less up front than you pay later.
I can't imagine this is even controversial. In a nutshell, we have people arguing that a fire company should put a whole neighborhood (and forest?) at risk for the want of $75, ignoring the fact that the guy offered to pay much more than $75 when he needed the coverage. This seems so simple it boggles my mind.
Ann, can you imagine any industry where someone says, "I will pay whatever you ask," and they refuse to do business with them? I can't. If nothing else, it's a simple business decision. This fire company stood to make thousands of dollars and they said no because the guy hadn't given them $75.
The reason the county charges $75 is not because that is what it will cost to put the fire out. It will cost them thousands to put a fire out, even a small one. The reason they charge $75 is because they are gambling that fires will be so rare that the $75 from each house will pay for the one house that needs it.
Why shouldn't people be able to pay for fire protection on an as needed basis with the understanding that if they need it, it will cost them a bunch of money?