No kidding. I live in a supposedly conservative state that requires me to buy liability insurance for my car. I've never ever had a wreck. Why should the state force me to buy liability insurance?
Why should the state force me to buy liability insurance?
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I really can’t believe you asked that question because I know you are NOT stupid. But, to answer it: Two Reasons:
#1. Accidents happen....HELLO..... You are not infallible or perfect; you possibly could have an accident.
#2. When it’s your fault why should the other guy pay when he’s driving safely and minding his own business; and you come along and destroy his “property” and possibly injure or kill one of his kids? He’s stuck, not only with grief but, hundreds of thousands of dollars in bills.....BECAUSE OF YOU!!!
You chose to be in the marketplace by buying a car and operating it on state roads. Therefore, the state can compel you to buy liability insurance in case of an accident - but it CANNOT compel you to buy comprehensive insurance. ADDITIONALLY, the state CANNOT compel you to buy liability insurance [if you don't own a car] simply because you MAY own a car in the future ...
As far as healthcare ...
As long as you are healthy - you may wish NOT to participate in the healthcare marketplace. If you need occaisional medical care - you can pay for it out of your own pocket.
Today, the Court cited that the AVERAGE person requires $850 of healthcare a year - but the mandate would require an outlay of about $4000 per single individual.
Even if the penalty [approximately $1500] remained in place - IF a person DID NOT have insurance, it could be paid AT THE TIME of the medical visit.
On an annual basis - this would equate to $850 + $1500 = $2350 ...