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Quote by: ironeagle  One point aboput insurance I would like to make is that , the government does not have the right to force citizens to buy a product, insurance although useful is a product. Additionaly the laws need to be equal for all, so if insurance is required then an insurance company should not have the right to decide a person cannot have their policy. |
Auto insurance is highyl regulated, so it's not trivial for a customer to be refused. Instead, if they're high risk then they're given a high price, which tends to send them elsewhere.
In any case, the goal here is to protect people from uninsured drivers who do not have the assets to be successfully sued. Some states allow, as an alternative to insurance, for people to self-insure.
TC