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!!!
“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!!!”
To play devil’s advocate, I don’t believe the previous poster said the other guy should pay. What’s to stop the wronged party from taking the transgressor to court, just like with every other civil matter. Why can’t a driver risk having to pay damages out of pocket instead of being forced to pay insurance premiums he might never cash in? I realize it wouldn’t be prudent, and almost everyone who chose to forego insurance would live to regret it. But I do tire of efforts to legislate against foolheardiness.