There's only one reason that I have car insurance: because I'm required by law to have it; because the insurance companies conspired with the state legislature to guarantee them a little bit more income. If you believe that the legislature passed the law in order to protect the consumer, then grow up, you naive idiot.
If I weren't legally required to have insurance, I would not have it, because insurance companies are rip-off companies who greedily suck up your premiums but do everything they possible can to get out of paying off on claims, and when they think they can't possibly not pay off, they delay payments for as long as possible.
I think of car insurance as just another tax that the state levies for the privilege of driving a car. But it's a tax that has been privatized, with the proceeds going to insurance companies instead of benefiting state citizens. It's way past time for state-run automobile insurance. "But that's...socialism!" Yeah, like we're not a socialist country already.
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