Liability for driving a car should come in form of subsidized debt not insurance. If I cause damage and I am at fault and can't pay out of pocket, the govenrment should pay for me and then I would be in debt for that cost to be paid over 7-10 years time(basic liability is 25-30k,so maximim 250/mo for a decade).
Being forced to pay for a damage I have yet to cause is messed up. The fear of being in debt would also lead to better and more careful driving. This is for the manadatory stuff, insurance should still be an alternative option.
In a free society, citizens should not be forced to do business with a business. All manadatory obligations by the government must be with the government. Alternatively, the government can provide a no-profit minimal insurance service kind of like the postal service.
Being forced to pay for a damage I have yet to cause is messed up. The fear of being in debt would also lead to better and more careful driving. This is for the manadatory stuff, insurance should still be an alternative option.
In a free society, citizens should not be forced to do business with a business. All manadatory obligations by the government must be with the government. Alternatively, the government can provide a no-profit minimal insurance service kind of like the postal service.