Reply #11: I'll answer that one

[WileEcoyote]

First of all drop the "deadbeat automobile owner doesn't pay insurance" crap from your whole thought pattern. This is a philosophy similar to the Ronald Reagan "welfare mother" shit.

If we must have automobile insurance make it based on accidents and moving violations. Sure, I know what you're thinking "it already is".

Not so. I have not had even one moving violation in thirty two years of California driving. And no accidents. A record so unblemished that they ought to pay me to just to drive. I'm a very freaking safe driver. Especially when driving without insurance really got to watch out for pigs. And yet my insurance isn't affordable.

Tell ya, I really don't care about a minor fender bender on some bourgouise shit's Lexis.

These are typically the kinds of accidents that take up most insurance/court industry snits. As for physical harm? Easily addressed through compulsory health care.

Bad drivers should go to jail. Not poor people.

Hey, it could happen to you. And as the recession deepens is more and more likely to happen to you.