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The states are allowed to have police powers the feral govermint was never intended to have! States have always regulated insurance and could mandate this forced purchase to assure liability insurance ONLY! The Tenth Amendment declares:

"The powers not delegated to the United States by the Constitution, nor prohibited to it by the states, are reserved to the states respectively, or to the people."

Long live the Tenth Amendment and the Tenth Commandment!!!

(As well as the Ninth (and all others) which commands that:

"The enumeration in the Constitution of certain rights shall not be construed to deny or disparage others retained by the people"))

These are the NEGATIVE words the founders insisted the feral govermint live by or they would not sign up to be the "United States" at all!!! Yes, Obamanites, I said NEGATIVE!!! (That means not positive)