Quote:
Originally Posted by jamesqf
Get hit by someone who does not have any insurance (and of course no assets either), and you might think otherwise.
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No, I don't think otherwise, because in most states coverage for being hit by an uninsured motorist is NOT automatic.
It is optional and it is not part of the mandated requirement for liability insurance.(
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Mandatory liability insurance only forces you to insure yourself, assuming that you will be stupid, careless or make mistakes. If you are a careful driver and never cause a chargeable accident all the money you pay for that coverage is a total waste. Your money goes to fund those who DO cause accidents resulting in damages that they otherwise might not be able to afford to pay.
In effect the state is forcing everyone to pay for the (usually) irresponsible actions of some.