[bestclimb]

Originally Posted by UltArc

My mind is blown on the thought of driving without insurance. I am pretty good at controlling my car. I am not very good at controlling the car in front of me, next to me, or behind me, or the deer I can't see in the bushes, or the child behind a van, or the black ice in front of the stop sign.

I do not know of any laws that are very dangerous. Not having insurance and driving is absolutely dangerous. Like a tie rod snapping, hitting on coming traffic, and both drivers being killed.

I just can not fathom one being okay not legally driving. We really have few rights. Driving should not be one. Just because one is a living human does entitle them to drive. If it is a right, why don't five year olds get to drive?

Really, the laws are in place for a reason. The speed limits seem reasonable to me, sometimes I go a bit slower, sometimes I go faster. We all know the consequences either way.

We have a right to vote we don't let 5 year olds do it, we have a right to own firearms, we don't let 5 year olds do it.

Please explain to me how driving without insurance is dangerous, does it make the car somehow harder to steer? Would having insurance bring back the child carelessly backed over? Is it some magic that protects my car from a suicidal deer? Does it run in front of me and douse slippery spots with sand? You pays your money and you takes your chances. If you want to financially protect your property, it really should be up to you to decide if you want to share risk (which is what insurance really is).

Not having insurance is not dangerous. Not having insurance and having neither the means, nor the willingness to be financially responsible for your actions is irresponsible.

I do not have insurance on my vehicle, I do carry liability, not because I am required to do so (though I am) I carry it because I am responsible for my actions and making a mistake can result in damage totaling a bunch of money or worse and that thought is pretty horrible. I A) want the person or property that I damage or destroy to be replaced/repaired or healed, and I can not afford to do that out of pocket and B) I want my property protected from lawsuit. If I drove a more expensive car I might want that insured as well. Though if I was in a position were the cost of a more expensive car was negligible I might not insure it then.

My mother-inlaw was recently hit head on, the other car was insured but the driver was specifically bared from the coverage (DUI). The guy had nothing and the insurance would not pay. <Shrug> not much you can do about it. But this guy had a DUI what was he still doing driving? He already proved that he can't be trusted behind the wheel. Laws can't really protect you from the stupidity of others, but once they prove themselves unable to handle simple liberties they should be removed.