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You don't need car insurance in order to own a car if you never drive it on gov't roads [View All]

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derby378 Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Aug-12-11 05:39 PM
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You don't need car insurance in order to own a car if you never drive it on gov't roads
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Practically every interstate, tollway, Federal highway, state highway, municipal road, farm road, and county road is paid for and maintained in part by the government, which means your tax dollars come into play - just as your tax dollars also funded the creation of state drivers' licenses and the bueraucracies needed to distribute and maintain them.

So if you keep your car in the garage as a collector's item, you don't need car insurance. If you drive your car off-road, no car insurance needed. If you drive the car solely on your own property, ditto.

Ball's in your court...
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  -You don't need car insurance in order to own a car if you never drive it on gov't roads derby378  Aug-12-11 05:39 PM   #0 
  - So why is car insurance mandatory?  Major Hogwash   Aug-12-11 05:43 PM   #1 
  - You drive on gov't roads, you need a gov't ID  derby378   Aug-12-11 05:46 PM   #3 
  - I need a gubmint ID just to vote here.  Major Hogwash   Aug-12-11 05:52 PM   #5 
     - That's a state requirement, not a Federal one  derby378   Aug-12-11 05:56 PM   #7 
     - They passed that law here back in 2008.  Major Hogwash   Aug-12-11 06:05 PM   #16 
     - Is requiring car insurance a federal requirement?  Major Hogwash   Aug-13-11 12:14 AM   #62 
     - I had to show my license every voting year since ..gee...1995.  dixiegrrrrl   Aug-12-11 07:58 PM   #46 
        - Sure glad I don't live where you live  madokie   Aug-13-11 02:31 AM   #69 
           - I'm glad I live in a place where drivers are required to have insurance,  pnwmom   Aug-13-11 04:08 AM   #71 
           - Me too  madokie   Aug-13-11 08:35 AM   #82 
           - I live in a tiny ole southern hamlet of 6,000 souls.  dixiegrrrrl   Aug-13-11 12:44 PM   #84 
              - Well, bless your pea-picking heart  Major Hogwash   Aug-13-11 04:09 PM   #98 
              - Even better, I deliberately CHOSE to move to this town, from the West Coast.  dixiegrrrrl   Aug-13-11 04:32 PM   #101 
              - Sounds like my kind of place then  madokie   Aug-13-11 09:18 PM   #103 
  - toll roads?  greymattermom   Aug-12-11 05:49 PM   #4 
  - Depends on who owns the toll roads  derby378   Aug-12-11 05:57 PM   #8 
     - ...for-profit ventures or vultures?  RC   Aug-12-11 06:53 PM   #34 
        - You know one reason Slick Rick Perry is tooting his "no new taxes" routine for America?  derby378   Aug-12-11 07:02 PM   #36 
  - It's only mandatory if you plan to use a road. n/t  pnwmom   Aug-12-11 05:58 PM   #10 
  - No, I had to show proof of insurance just to register the car.  Major Hogwash   Aug-13-11 12:19 AM   #63 
     - If your car never leaves your property, are you sure it needs to  pnwmom   Aug-13-11 04:03 AM   #70 
        - What did I just say??  Major Hogwash   Aug-13-11 05:25 AM   #76 
           - I know what you said. But why register it if you're not going to be driving it?  pnwmom   Aug-13-11 11:26 AM   #83 
           - Why would I buy a car and not drive it?  Major Hogwash   Aug-13-11 03:52 PM   #94 
           - Are you a Mormon, by any chance?  Major Hogwash   Aug-13-11 03:54 PM   #95 
           - But if you are not going to drive the car, you buy 1 months  Philippine expat   Aug-13-11 01:58 PM   #93 
              - If you're not going to drive the car  Mariana   Aug-13-11 04:19 PM   #100 
  - For a paid off older car, most people have collision only. For a car with a loan,  Luminous Animal   Aug-12-11 06:21 PM   #22 
  - You mean liability only.  undeterred   Aug-12-11 06:38 PM   #29 
  - In several states you don't actually have to have insurance, you can post a bond or cash instead. nt  PoliticAverse   Aug-12-11 07:06 PM   #38 
     - Car insurance is only required for those without savings.  Xithras   Aug-12-11 10:49 PM   #58 
     - That's true in CA but not everywhere else. We used to have a law similar  pnwmom   Aug-13-11 04:11 AM   #72 
     - In lieu of insurance, they require a $50,000 bond. Not too many people I know have bonds.  Major Hogwash   Aug-13-11 12:23 AM   #64 
  - I believe that is a fair summary of the law in my state.  kenny blankenship   Aug-12-11 05:43 PM   #2 
  - Quite so, but it's interesting how people will say insurance is mandatory for  Obamanaut   Aug-12-11 05:54 PM   #6 
  - No mandatory requirement for auto insurence...  -..__...   Aug-12-11 05:57 PM   #9 
  - Of course those sound good to you. Nt  xchrom   Aug-12-11 06:03 PM   #14 
  - Yes, choice is always good.  -..__...   Aug-12-11 06:14 PM   #19 
     - I think Somalia would be a better choice. Nt  xchrom   Aug-12-11 06:49 PM   #33 
        - For you, maybe.  -..__...   Aug-12-11 07:15 PM   #41 
           - Nah, I'm an 'authoritarian'.  xchrom   Aug-12-11 07:51 PM   #45 
              - How do you define the term?  Occulus   Aug-12-11 10:48 PM   #57 
  - "Both sound good to me."  Occulus   Aug-12-11 10:39 PM   #55 
  - Nitpicking. Why even own a car, then, if you're just going to leave it in the garage?  arbusto_baboso   Aug-12-11 06:00 PM   #11 
  - How much land do you own?  derby378   Aug-12-11 06:03 PM   #13 
  - MOST people don't own that kind of land.  arbusto_baboso   Aug-12-11 06:22 PM   #23 
     - Just planting seeds  derby378   Aug-12-11 06:45 PM   #31 
  - I know several farmers who have jeeps or pick ups that they use on their  Obamanaut   Aug-12-11 08:23 PM   #48 
  - Because you don't have to leave it in the garage.  Occulus   Aug-12-11 10:51 PM   #59 
  - Its a classic and I  Philippine expat   Aug-13-11 12:58 PM   #87 
  - Who are you, Lyndon Johnson?  leveymg   Aug-12-11 06:02 PM   #12 
  - Sixth.  Commie Pinko Dirtbag   Aug-12-11 06:05 PM   #15 
  - I still remember his trouser conversation on the phone...  derby378   Aug-12-11 06:06 PM   #17 
  - Yes, actually. My Mother told me that.  WillowTree   Aug-12-11 06:42 PM   #30 
  - You can't have your car registered, in any state that I'm familiar with...  DCKit   Aug-12-11 06:13 PM   #18 
  - i had  sylveste   Aug-12-11 06:30 PM   #25 
  - Depends on where you live.  DCKit   Aug-12-11 06:38 PM   #28 
  - Some states allow you to post a bond or cash deposit in lieu of insurance. n/t  PoliticAverse   Aug-12-11 07:07 PM   #40 
  - Not sure how many but some states allow  Philippine expat   Aug-12-11 07:51 PM   #44 
  - If one must have insurance to cover uninsured drivers, then might it follow  Obamanaut   Aug-12-11 08:21 PM   #47 
     - Yeah, but only one insurer tried to saddle me with that "coverage".  DCKit   Aug-12-11 09:58 PM   #53 
  - Depends on the state you live in. n/t  Cleita   Aug-12-11 06:15 PM   #20 
  - deleted  humblebum   Aug-12-11 06:18 PM   #21 
  - where I live in SC  RedRocco   Aug-12-11 06:23 PM   #24 
  - Driving is a privilege and car insurance is one of the costs associated with that privilege.  Luminous Animal   Aug-12-11 06:30 PM   #26 
  - We have always been told that driving is a privilege. But roads  humblebum   Aug-12-11 06:37 PM   #27 
  - I never claimed it was a privilege to use the road. I said it was a privilege to drive.  Luminous Animal   Aug-12-11 06:56 PM   #35 
  - Then how come I have to get 2 types of insurance, 1 for driving my car AND for 1 for my motorcycle?  Major Hogwash   Aug-13-11 12:32 AM   #65 
     - Odd. My husbands motorcycle insurance is about half of any car insurance that we've  Luminous Animal   Aug-13-11 12:47 AM   #66 
        - I'm not from California. I already lived in that state, it was more expensive to go out  Major Hogwash   Aug-13-11 05:22 AM   #75 
           - I lived in South Carolina a long time ago and they didn't even require motorcycle insurance  Major Hogwash   Aug-13-11 04:01 PM   #96 
  - I can get into Canada from the US using my .....  AnneD   Aug-12-11 06:46 PM   #32 
  - The glaring point you are omitting: You don't need a car to be a citizen.  WinkyDink   Aug-12-11 07:03 PM   #37 
  - Good point. nt  Lorien   Aug-12-11 07:07 PM   #39 
  - Thank you. I believe this is where the rubber will meet the Constitutional road.  WinkyDink   Aug-12-11 07:19 PM   #42 
  - Thank YOU! Don't understand why this constant comparison to auto insurance -  lynne   Aug-13-11 01:01 AM   #67 
  - It's piss-poor but it's all they've got  kenny blankenship   Aug-13-11 12:54 PM   #86 
  - NICE.  derby378   Aug-13-11 01:22 PM   #91 
  - I have a camper van that insure for the four or five months that I use it  Speck Tater   Aug-12-11 07:47 PM   #43 
  - In VA, you'd have to surrender the tags, then reapply.  DCKit   Aug-12-11 10:00 PM   #54 
  - When I lived in MI  Philippine expat   Aug-13-11 01:09 PM   #90 
  - You don't need car insurance if you don't own a car, a choice you are free to make. nt  kelly1mm   Aug-12-11 09:44 PM   #49 
  - How about liability insurance to cover the car?  csziggy   Aug-12-11 09:49 PM   #50 
  - So you're taking the libertarians fucked up argument? Forget the Common Good. Like Social Security  KittyWampus   Aug-12-11 09:52 PM   #51 
  - Why own a car if you are going to sit it i9n a garage?  bluestate10   Aug-12-11 09:57 PM   #52 
  - Depends on your local jurisdiction. Here, a car has to be registered  EFerrari   Aug-12-11 10:41 PM   #56 
  - That's not correct.  Xithras   Aug-12-11 11:02 PM   #60 
     - That's right. You can register the car as non-operational w/out insurance. n /t  EFerrari   Aug-12-11 11:18 PM   #61 
     - Not an option here...  DAMANgoldberg   Aug-13-11 02:11 AM   #68 
  - Bullshit  Dokkie   Aug-13-11 04:44 AM   #73 
  - Who towed your car?  Fumesucker   Aug-13-11 05:04 AM   #74 
     - the stupid state of Nebraska  Dokkie   Aug-13-11 05:30 AM   #77 
  - If you drive your car anywhere off-road, it would probably be a good idea to carry  madinmaryland   Aug-13-11 07:30 AM   #78 
  - In Oklahoma if you tag it you must insure it  madokie   Aug-13-11 07:37 AM   #79 
  - Driving on a public road is a privilege, not a right  badtoworse   Aug-13-11 07:47 AM   #80 
  - And I hope all who love the "car insurance is MANDATORY!" argument LIKEWISE love the Voter ID laws  kenny blankenship   Aug-13-11 01:03 PM   #89 
     - The OP was about insurance, but as long as you brought it up,...  badtoworse   Aug-13-11 04:07 PM   #97 
        - READ IT AGAIN> The OP was about OWNING a car.  kenny blankenship   Aug-13-11 04:17 PM   #99 
           - Fair enough, but what's the point? The OP is stating the obvious.  badtoworse   Aug-13-11 04:52 PM   #102 
  - 50cc mopeds are a widespread exception.  sofa king   Aug-13-11 07:56 AM   #81 
  - Most of the Republican lurkers are on mopeds too  kenny blankenship   Aug-13-11 12:49 PM   #85 
     - Ha! I'll bet it's true.  sofa king   Aug-14-11 11:23 AM   #104 
  - when you travel in a bus, train, taxi, have goods delivered to your home  Bluerthanblue   Aug-13-11 01:02 PM   #88 
  - you don't HAVE to own a car either-  Bluerthanblue   Aug-13-11 01:27 PM   #92 

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