Sarah Palin is so Dumb ...

... that she probably thinks there's a difference between collision insurance and liability insurance when it comes to cars.

I don't know if you've seen this, but it's so illustrative of so many points that it's worth recapitulating here. Here's the Obama anecdote from the healthcare summit.

When I was young, just got out of college, I had to buy auto insurance. I had a beat-up old car. And I won’t name the name of the insurance company, but there was a company — let’s call it Acme Insurance in Illinois. And I was paying my premiums every month. After about six months I got rear-ended and I called up Acme and said, I’d like to see if I can get my car repaired, and they laughed at me over the phone because really this was set up not to actually provide insurance; what it was set up was to meet the legal requirements. But it really wasn’t serious insurance.

Insurance that meets legal requirements is liability coverage only. Coverage that takes care of your bumper is collision insurance. This is basic knowledge for all of us out here in Hicksville. This was not some slip of the tongue done in the middle of an antagonistic interview, this was a planned anecdote at Obama's healthcare summit. The fact that he used this anecdote proves one or more of the following:

• He has no idea how insurance works.


• His staff has no idea how insurance works.


• The press doesn't care that he doesn't know how insurance works. (Imagine if Sarah Palin had said this.)


• He doesn't think you know how insurance works nor does he think you should have to. Government regulations should make it safe to be a complete idiot.


• He knows how insurance works, but his strategy is to throw so many anecdotes of woe into the debate that it's impossible to react to all of them.

I'm open to your suggestions here.

Sarah Palin. Man, is she stupid or what?