Quote Originally Posted by Latrinsorm View Post
In almost all states you are legally required to have car insurance. It is not a choice, and if you are caught without it you are liable to be punished regardless of whether you have been in an accident or made a claim.Most of us won't have catastrophically bad car accidents either, but the law is still the law - and it's a correct one. Your thought process is what is described as smart for one, dumb for all. Most people do not have to be subject to unprepared catastrophe for it to be a net loss to the group, because "catastrophe" does not mean infinitesimally worse than average.
You're required to cover insurance for other people you may hurt with your car. I don't understand how this can be at all equated to health insurance for an individual.

This is one of the many reasons why we need a government, to force us into certain decisions that are dumb for one, smart for all.
A thousand ways, no.