Reply #75: Sorry,

[Spoonman]

I have not avoided the question.

Your system of insurance is totally different.

The system here is unregulated, and we are left to the mercy of the policy writer.

I do believe insurance should be required for vehicles, with a lot more controls in place for those who violate the law.
SEVER punishment, such as selling the vehicle of the violator at public auction to generate $ for victims of accidents such as the one you presented.

I pay over $2200 annually for my insurance, with every discount available, and a perfect driving record. Hell, I'm a defensive driving instructor.

To me this is outrageous, because the same coverage was $1300 two years ago.

Gun insurance, hell no, the only people that would benefit from it would be the insurance companies and lawyers.