13 votes

The city where no one has car insurance

nstead they are registered to vote in the suburbs, where car insurance is cheaper. They use an address outside the city to renew their driver's licenses and register, then report that address to insurers.

"It's an amazingly pervasive piece of information about living in the city of Detroit that people pick up on incredibly quickly," Keenan says. "It is effectively a poll tax."

The impact on voter registration is just one of the consequences of the city's sky-high car insurance rates. Another: Lots of folks don't buy insurance.


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You can be self-insured in

You can be self-insured in PA, but you have to go through a financial background check (tallying-up of your assets) and either have to put up $50,000 in collateral to the state or just have $50,000 in an account somewhere.

I think insurance should not be required. It's backwards the way it works anyway. Your insurance is to cover you against someone else in the event of an accident. Accidents happen and people are too sue-happy. Insurance should be for your own bodily injury and property damage. If you don't have it, it should be a risk that you take unto yourself.

Please come join my forum if you're not a trendy and agree with my points of view.

Self Insurance Florida


The certificate of self - insurance issued by this department as per section 324.171, Florida Statutes, provides limits of liability insurance in the amount of 10/20/10 ($10,000 of bodily injury to, or death of, one person in any one crash, $20,000 of bodily injury to, or death of, two or more persons in any one crash, $10,000 of injury to, or destruction of, property of others in any one crash) and personal injury protection coverage as per section 627.733(3)(b), F.S. Individual – Filing Requirements
A notarized copy of a financial statement (balance sheet indicating assets and liabilities)
showing a net unencumbered worth of at least $40,000, form attached.

Auto insurance is a scam

Mandatory insurance was sold to us as way to make rates cheaper, once it became law, guess what, rates skyrocketed! SUCKERZ!

"It is difficult to free fools from the chains they revere".

It's hard not to be a menace to society when half the population is happy on their knees. - unknown

It REALLY IS a scam

You got THAT right! Here in British Columbia the Auto Insurance rates are HIGH. It's just as you said. Mandatory insurance was a sales pitch based on lies. BC used to have very low Auto Insurance rates, but now they are out of sight. Now the Auto Insurance is run through a government-controlled corporation [ie. a virtual monopoly]. It suppresses competition and pretty much dictates what it wants. Nowadays, when people move in from out of province, they have a heart attack when they find out how much it costs!

A really FREE MARKET is the only way to solve this.

1. Every person should have the right to NOT buy insurance, if they so choose. (I don't recommend that route. You'll still be liable for any damage you cause. But freedom means that Government doesn't make you a SLAVE by dictating what you buy.) Once the government FORCES you to buy insurance, then the insurance companies can GOUGE you all they want, and you have to pony up. You are then a SLAVE to the insurance company.

2. When people have the right to say NO to the blood-sucking insurance companies, the insurance companies have to lower the rates to where they are at lease reasonable, if they want to get any customers. It's simply "supply and demand" at work. There are two states in the USA that still don't have compulsory auto insurance: Virginia and New Hampshire. Not surprisingly, their rates are in the lower part of the price spectrum. Not only that, but the percentage of drivers in New Hampshire is the same, or better than other states where auto insurance is mandatory. PERSUASION, EDUCATION and FREEDOM are more productive than FORCE!

3. Now that BC has their crony corporation monopolizing auto insurance here, they are now using their power to "TIGHTEN THE SCREWS" ON THE PEOPLE by withholding the right to renew their auto insurance (thereby taking away their freedom to travel, commute to work, etc) if they are delinquent on bridge tolls, tickets and other things. Every year they add some other thing to the list. Folks, TYRANNY STARTS HERE. In a free country you don't lose your rights until AFTER you are convicted in court by a jury of your peers--you have the right to fully defend yourself before having your rights taken away. You are presumed innocent until proven guilty--NOT PRESUMED GUILTY until you can prove yourself innocent.