Reply #23: good idea!

[iverglas]

People who use cars pay insurance to cover the cost of any damage/harm caused during the use of the car -- no matter who is driving it (unless it is reported stolen, I suppose?), and no matter whether it is being used in a "law-abiding" way or not.

Householder's insurance doesn't cover damage caused by cars. Only those who own cars contribute to the pool for that purpose, which is established so that other forms of insurance or public programs, or victims, don't bear the cost of harm/damage caused by cars.

I like it. Of course ... it does require registration in order to be operable.

;)