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Originally Posted by jamesqf
OK, now how do you pick out those "irresponsible" drivers before they hit you?
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You don't. If they hit you, you can sue them. In fact, even if they DO have liability insurance and they have a crummy, cheap insurance company that doesn't want to settle the claim properly you will have to do exactly that to get paid.
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Or maybe no one should be allowed to drive unless they can post a cash bond that's large enough ($50K, maybe?) to cover potential damages.
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You have a lot to learn about how insurance works and you are missing the point. I suggest you read the link I posted and digest it. Mandatory liability insurance does not protect
you from the actions of others at all! It only protects others from
YOUR assumed irresponsibility -
and at your expense.
There are a lot of people driving who can't afford it. But if I have $50,000 to post as a bond to self-insure myself, why should I not be allowed to do so? Because the state won't allow it and the insurance companies won't make any profit on it, that's why.
We have been through this discussion before. One of the few states that supposedly does not require mandatory liability insurance requires a cash bond in lieu of it (as I recall it is Virginia that offers that) - but that state cleverly collects a very hefty added 'fee' (read: TAX) for choosing that alternative:
which makes just as expensive as if you had bought the mandatory liability policy! That's really not a choice at all, and they know it!
So who do you prefer being bilked by? The State? Or the insurance industry?