America was built on the right to freedom but there are times when a government has to step in and introduce laws for the safety and protection of its citizens.Car insurance laws are very much an example of this and States have created many laws to provide citizens with liability protection from damages resulting from a car accident.
For most people car insurance would be a natural thought but for many others purchasing auto insurance is more of an unnecessary expense and without car insurance laws we would surely see a large percentage of this country uninsured.
Car insurance coverage is necessary for the financial protection of all drivers, pedestrians and property owners and without mandatory car insurance laws everyone would be exposed to potential bankruptcy anytime they sat behind the wheel. Even in a free country we still have a greater good to enact laws for public protection.
If you never get in an accident there really is no difference whether you have car insurance or not however accidents are called accidents for a reason. They happen in moments when we least expect it. Car accidents happen practically every minute of every day 7 days a week, so the odds of being involved in an auto accident are pretty good at some point of any drivers lifetime. Operating any motorized vehicle without care for others is both irresponsible and not in the best interest of society as a whole.
In addition to the liability exposure of driving with no car insurance you can also be subject to fines, vehicle registration suspension, driver license suspension and felony charges in some cases. Driving without car insurance is really one of the riskiest things you can do.
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