even though it's the law.
Why should they?
Think about it. Mandatory automobile insurance hurts the poor most.
States with higher poverty rates show a corresponding rise in uninsured drivers.... Simply put, people skirt car insurance when they can’t afford
Poor people can't afford it, so they don't buy it. Apparently mandatory auto insurance doesn't make the roads any safer, either.
Nearly 40 years of car insurance mandates — which the insurance industry says have failed to make roads safer or lower auto insurance costs — raise questions about how well such mandates work.
They don't work. Mandatory auto insurance benefits only the insurance industry, and possibly not even them. I'm not an actuary, so I don't know the answer to that one.
I have car insurance, because I own assets, including property. I can't afford to be sued. Poor people, however, don't have anything to lose.
If everyone didn't have to buy this expensive and totally useless product, those who do want it--like me--could purchase additional coverage for accidents involving uninsured drivers for a nominal sum. That's the way things used to be before mandatory car insurance was instituted.
Then the poor people could spend their money on something they need and want, like food, for instance.
Of course, they don't need mandatory health insurance either.