Here is interesting concept I believe in, unfortunately it is only a small percentage of my friends who seem to understand my logic. Most just call me an idiot. I expect a large portion of the comments will too :P
I'm gonna have to explain myself first, I expect to be judged for this so might as well lay down my whole argument now. I get lots of fines. I have been fined for just about everything that you can be fined for relating to transport. Speeding fines, unlicensed driving, no seat belt, unlawful use of registration plates (or whatever it is) also fined for lending them, driving unregistered, driving uninsured, running stop signs/red lights, driving defective vehicle, reckless driving, parking fines, unlawful use of a motor vehicle etc. etc. I'm sure you get the picture. It might be worth adding I have no criminal convictions on my adult record.
It's not that I am a bad person/driver *pause for laughter* I never break any of these laws maliciously, nor am I an idiot on the road. I just have open mind as to how the law should be interpreted, and common sense should come into consideration.
For example, I never speed in traffic or closed in roads. During the day I drive like most other people. At night I'm a 5%er, when no one is around and most of my speeding fines have been on empty open roads, usually late at night (I like to cruise and listen to music) and usually by parked cameras. Stop signs same sort of thing, not coming to a COMPLETE stop late at night and an unfortunate police car parked up saw me. You would think they have nothing better to do.
As to the driving unregistered/uninsured, I'm a poorfag student and I can't always pay that shit right when its due. Sometimes i drive around for a few weeks 'unregistered' but i always pay it. Any check on my record can see my cars never missed a rego period. Unfortunately I always seem to get pulled over in those few weeks. Sometimes officers are understanding, most of the time they are not.
I'm not gonna explain my every misdeed here, though if anybody is curious about anything feel free to post it and I shall answer. But you get the idea, LOTS of fines.
Being the poorfag I am, I obviously cant afford all of these fines. There have been times in my life where i could but at the beginning i couldn't and now I can't and that's all that's relevant to this story. In comes fine insurance aka S.P.E.R.
State Penalties Enforcement Registry
If you can't afford to pay your fine in it's entirety then you can opt for an instalment plan with SPER. The minimum repayment is $40 a month or $20 a fortnight. If you get more fines while you are with SPER then you can add them to your existing balance. Sometimes for a fee depending on the type and size of the fine.
Now when you get fines like I do then $20 a fortnight is a pretty damn good deal. I like to think of it as my 'insurance premium' and I quite happily pay it so that I don't have to worry about unexpected expenses in that area. When i get a new fine, a quick phone call and my 'insurance company' solves the problem for me. Hell even if i don't do a thing, if I destroy the fine immediately upon receiving it (which I have done, different story) it will still get automatically added to my balance for a small fee. And I just keep on paying my bare minimum of $20 a fortnight.
To give you an idea of how many fines i get, I have been on SPER since i was 16, I am now 23 turning 24. I have only completely cleared my SPER account once, for less than 3 weeks before it was back in use. The highest balance was around $3500. Right now its around $2100.
At this stage of my life I am entirely happy to pay my 'premium' to live my life fine free. Of course I will pay for it all in the end, more even including add-on fees depending how smart/lazy I am about it. I'm not THAT stupid :P. But right now, with my lifestyle it is a hell of a lot more convenient to NOT pay them. Maybe fines aren't as much of a deterrent as they believe, I mean, if it doesn't inconvenience me how is it a punishment?
It makes me feel good to happily toss a freshly issued fine for some ridiculous minor infringement to floor of my car and say 'my fine insurance will cover that'.