The $75 isn't insurance and I'll illustrate why. If you do not pay your health insurance premiums you can still go to a clinic and pay out of pocket to receive health care. If you do not pay your car insurance premiums you can still get your car repaired by paying out of pocket. If you do not pay your legal insurance premiums you can still get a lawyer. If you do not pay your life insurance premiums you can still pay for funeral costs out of pocket. If you do not pay your homeowners insurance you can still have your home repaired out of pocket.
In this situation he agreed to pay whatever cost to have them put out the fire but they refused to do so.
Insurance helps to cover your costs whenever the applicable event occurs, not deny your access to basic emergency services. This whole "fee" for fire department services is the whole reason fire departments were brought under public domain in the first place, to prevent people from being denied these types of services.
Sure you can inject the libertarian argument in here but unless someone is an extreme libertarian, borderline anarchist, they should believe in basic government services.
One thing that I will continue to watch this story for is the aftermath with regard to lawsuits. Insurance lawyers are notoriously meticulous, if they find anything they can bring suit against this county for, they'll do it and then the implications of this story will truly get interesting.[quote name='UncleBob']Fun fun!
It is ILLEGAL to burn trash in Tennessee.
http://www.state.tn.us/environment/apc/pdf/OpenBurningBrochure.pdf
Wonder if Arson charges will be filed.[/QUOTE]
Arson would only apply if he intentionally burned down a structure. As it is, he negligently caused his house to burn down. Unless there's a statute against negligent arson in Tennessee, which I doubt, he can't be charged with arson.