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Another problem is we have become to socialistic whereas we require individuals to pruchase insurance for vehicles, or the like againts their will and they can't afford it or don't want it.
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While I'm not usually one to defend the insurance industry, I do not care if someone cannot afford or doesn't want insurance. If they can't afford it they shouldn't drive. It's no different than if they can't afford gas. Gas, oil, maintenance, a license and insurance are all required if you want to operate a vehicle on public roads. If they don't want insurance, too bad. We don't necessarily carry insurance to protect ourselves. We carry it to protect others. Your insurance provides me with compensation should you plow into me while mine protects you. You don't have to have insurance. At least in California you can set aside funds in a bank account to provide compensation in place of insurance.