Why exactly is driving a car w/o insurance illegal?

Answer 1

In a socialist society, the government takes care of the people. The government basically makes it a requirement for a hospital to give treatment to a patient even if the patient can't ever pay for it. The government was getting tired of footing the bill on people who didn't carry enough/any insurance, so they passed a law requiring people carry a minimum amount of insurance.

Basically it's a way to force people to save money in case they get into an accident, though technically you could look at is as a government imposed tax for those that want to drive.

Answer 2

If you drive without insurance, and get into an accident without anyone else being involved, totaled your car, and wind up in the hospital, there is no insurance to guarantee payment for your car or the hospital bill unless you're covered under health insurance. If it involves someone else, and they're hurt as well as you, whomever has the insurance will be paying the hospital bills, but can sue you (and if you're underage, your parents) and it will most likely cost you/your parents alot more than the hospital. But if you/other motorist both have ins, then the 2 ins companies will work it out as to who has to pay, usually the person at fault.

Without insurance, someone else usually has to pay and it's usually the state you live in because there's no where else to turn. In essence, the taxpayers are paying and a percentage of most insurance companies has a surcharge added to insurance policies to pay for uninsured motorists. That is why the state makes it illegal to drive without insurance.

Because if it was legal, then every kid that has a driver's license would be driving and getting into accidents that would cost their parent's livelihood.

Answer 3

If you drive a car without insurance and are in an accident, if you have no insurance, you will not likely be able to pay the medical bills and other expenses stemming from the accident. With most accidents, this is only a few thousand (which is still more than most can afford to pay), but in some cases can get into the millions because of lawsuits and expensive medical treatments.

Having insuarnce also protects you if you should be sued as a result of the accident and protects you wallet (and any assest you may have). The insurance company will pay the medical bills, pay the damages, and provide you with legal representation if needed.

Answer 4

The other answerer is correct- it has to do with what can happen if you are in an accident and someone either gets hurt or dies, or their car or other property is damaged or destroyed. In most states, this can and usually will result in a lawsuit being brought against you, and if someone dies as result of an accident, and you are at fault, then you can go to prison for it. Insurance helps you pay when someone else gets hurt or dies, and it also helps you pay to have their property ( the other car) repaired or replaced. Insurance is also useful in that it can protect YOU from high medical bills following an accident in which YOU get hurt. That's called Personal Injury Protection, or PIP insurance, and it is required by law in some states. ( I live in one of these- Delaware law requires PIP insurance for everyone who drives or keeps a vehicle.) Driving uninsured or underinsured is just NOT SMART. Underinsured drivers are people who have insurance, but that insurance doesn't meet the state minimum requirements, or it has a cap on what it will pay in case of an accident which prevents this from happening. This will often result in a lawsuit as well, if someone who is underinsured has an accident- and it can mean a lot of extra costs for them which the policy they do have won't cover or pay for.

Answer 5

Actually, it's that you must prove financial responsibility. Insurance is one way to do that. Another is to post a bond.

You are essentially operating a lethal weapon (that's what I call 1-1/2 tons of metal moving at 60 MPH ). You have to prove that when you mishandle it you can pay for the consequences.

As an aside, insurance might cover your medical and vehicle repair expenses - but what the law says you simply must prove the ability to cover your liability to others. The law could care less about your own injuries or expenses.

Answer 6

It's not illegal to drive without insurance unless the State you live in has passed a law making it illegal. In other states, it is illegal to cause damage to people or property while driving and not be able to make restitution either thru insurance or your own funds.

Answer 7

Because if you hurt someone or damage someone else's property you probably can't pay for it out of your pocket. If you have a lien (loan) on your car and no insurance, you will have to keep paying for the car even if you totally distroy it in an accident.

Driving without insurance just isn't smart or responsible.

Answer 8

Because if you cause damage , injure or kill someone then then victims of your bad driving need recourse. They need to be able to collect money to recover (if possible). If you have no money the insurance company covers most of the expenses.....there are many many variables but that is the jist of it. Even if you have money, the insurance company will cover most expenses - if it is a true accident. if you crashed your car into another car intentionally or used it in a crime - you are out of luck.

Answer 9

imho - it's due to two major reasons
1) the insurance companies have a strong lobby - if they convince your state to pass a law requiring insurance they make more money
2) if someone gets put into a coma due to an accident and neither party involved have insurance - the state will have to pay for the years of life support - so it's also about the state not having to pay for medical expenses

Answer 10

you may save on your coverage via evaluate rates at FREETOINSURE.information- RE Why is it unlawful to tension with out motor vehicle coverage? I even have heard rumors that it is unlawful to tension with out motor vehicle coverage; in the beginning, is this actual? Secondly, if it is so, why? Many person American motorists experience between 0-2 minor injuries of their lifetime, a number of that are very minor (the place the two vehicles nonetheless run wonderful and there is in user-friendly terms a bump or so). Any counsel would be functional.