[bestclimb]

A careful driver that has no desire to utilise their insurance or drives as if they did not have it is more likely to use the uninsured motorist portion of their coverage.

I understand the whole driving is a privilege argument but I really don't believe that. if you have access to a car you have a right to use it on property that you have a right to access. public roads are publicly owned, construction and maintenance paid for partly by my own contributions. As far as having insurance to keep other people financially protected, regardless of whether or not someone carries insurance they are morally responsible for their own actions. I myself carry insurance because I not have the means to replace someone's car if it is at all expensive nor to I have the means to support someone's stay in a hospital if I do something stupid so I buy into the scam.