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0 pointsDSMan1952762y ago0 comments

Every state requires you to hold some minimum level of car insurance, mortgages require a level of homeowners insurance, etc. The underlying problem is that it's a significant barrier for people if they get priced out of the market (even if it's for good reason). If you can't afford car insurance or no insurers will offer it to you then you legally cannot drive a car, and in the US that becomes a problem that spirals into bigger problems.

I would say overall there's no good answer to this problem that everybody would be happy with, just maybe one you consider "less bad" than the other ones.

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sokoloff2y ago

While there’s a lot I dislike about the Mass auto insurance rules, the rules for “no insurance company will voluntarily insure you” are pretty friendly to drivers who are otherwise uninsurable.

https://www.mass.gov/info-details/massachusetts-auto-insuran...

wbl2y ago

If you are such a risk when driving no insurer will touch you, I would like you off the road.

bobthepanda2y ago

In practice what actually happens is that these people will drive anyways and cause damage before being pulled over, except now they have no insurance and it’s a whole mess.

It is also the theory behind universal healthcare coverage, because people will have medical issues that eventually end them in the ER regardless of coverage status and someone has to get paid for services rendered. And also insurers will literally take any excuse to deny coverage if they can.

earthling81182y ago

I'd prefer that nearly all of us were off the road, but in practice we've not built a world that allows such a lifestyle.

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