I wholeheartedly agree. Markets, suppliers and consumers should always decide.
The law should be justice and only justice. If one is taking the risk to not take an insurance, be it auto, they only ought to remain accountable and pay the price they get sued for by the people they have hurt, when they do.
Ron Paul has analyzed and shown all the unintended and consequential moral hazards created when the law makers force on everybody a shift of responsibility.
We end up where we are today where people pay for the risks taken by others, or even worse, pay for an abstraction of risk untraceable to anyone but the state and its protected cronies (who make sure the same corrupt and wasteful state get voted back in charge).
By then, we've gone full loop and are still stuck in it.
Now try to explain that to the fraction of the people who hates taking responsibilities in life...
Our only way out is to find means to stop feeding the beast.
Trying to work on it.
"Cyril" pronounced "see real". I code stuff.
"To study and not think is a waste. To think and not study is dangerous." -- Confucius
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