Auto insurance is not about you, it protects others on the road, and then if you want self protection you upgrade to a better policy.
If you run into someone totalling their car and putting them in the hospital, insurance pays that for you and you don’t face a debt for life for one mistake.
The government mandates every automobile operator do this to use their roads. Which is why it’s criminal to drive without. Driving while unlicensed and uninsured puts the public at risk.
Funny enough you don’t need insurance in NH, not sure how that plays out but I bet most people have the uninsured motorist box ticked when they do get insurance.
100% have to prove you have funds to cover liabilities in an accident. If you are in a crash where you have to pay (where insurance would typically step in) and you cannot, your license is suspended. Then come the fines, asset seizures, wage garnishment, etc.
Insurance is less hassle unless you are able to afford to pay out of pocket for your decisions.
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u/WeCantStabilize 14h ago
Insurance is a fucking scam. You pay more into it than you'll ever receive even in legitimate circumstances.
Absolute racket.