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One of the most despicable, selfish acts one can engage in is driving without insurance.
It's not a few people, but thousands who think the law requiring all drivers to carry insurance doesn't apply to them. In the past month alone we've had three employees involved in car accidents caused by people who were either uninsured or under insured.
Even though you have to show proof of insurance before you can be issued a drivers license, a lot of people cancel that insurance as soon as they have their proof in hand. Then, if they happen to run into you or me, causing thousands of dollars worth of damage or injury, well…that just becomes our problem. Or our insurance company's.
You say everyone can't afford insurance? Tough. If you can't handle the responsibility that comes with driving, find another way to get around.
Here's how I'd fix the problem. First, I'd like to see violators of this law get some severe punishment -- like 30 days behind bars -- and the fine should be to pay for the cost of their incarceration, as well.
Secondly, all insurance should have to be paid in advance, and be non-cancelable.
Driving without insurance is the height of selfishness and irresponsibility, and I make no apology when I say, the price of driving without insurance should be higher than the price of having it.