this post was submitted on 06 Oct 2025
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Conversely, you can also just drive around with no insurance at all and still do all the safety things and be terribly careful as if you had insurance.
Most can probably go through life without ever having to use the insurance or be stopped by the police.
And if you ever do get into an accident, if it's not that serious, you'll end up paying the same amount up front as you did if you had made regular payments over many years.
If it's serious, no matter how you deal with it it's going to be expensive ... with insurance it will cost you ... without insurance you'll probably end up in prison.
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this is anecdotally super wrong.
I drive like 15,000 km a year (VERY LITTLE) - in the past 20 years I've hit probably a half dozen ride programs and been rear ended twice by someone else while fully stopped at a red light
While I've never had to actually file an insurance claim, there have been plenty of times I've had to present it
Many police now use automatic scanning to check for valid registration or insurance. There are also some heavy penalties for driving without insurance. Something like a simple RIDE check (impaired driving check point) could reveal you have no insurance and you could face a lisence suspension. You could also be subject to an expensive lawsuit if you do hit an expensive car in an at fault accident.
yeah but the us is a dictatorship. fairer countries probably aren't forcing you to pay private insurance nor they are scanning your plates.
Where I live, the part of the car insurance that covers damages on others and their property is mandatory.
The insurance for yourself and your own car is optional, but I think it's fair to require some kind of guarantee that you can cover the potential damages that you are able to do to others with a car.
Cops will stop you, if you don't have the mandatory insurance, have unpaid car taxes, use fake license plates or skipped the EU check. Police cars have automatic license plate recognition to check that sort of thing.