I live in a state that requires car insurance, which recently raised the levels of coverage, yet four out of the last five times my car was hit the other driver did not have insurance!
So that is a very bad analogy!

Quote Originally Posted by steelish View Post
Exactly! You are not forced to buy car insurance because you are not legally required to drive. Car insurance is a necessity only if you CHOOSE to drive a vehicle. Not only that but you don't need car insurance to have a driver's license. Car insurance is required by the lien holder as insurance against losses incurred.

Florida is a no-fault state, and you can drive a car without insurance if the vehicle is title-owned by you. Personally, I prefer not to do that, I carry insurance on all of our title-owned cars, but not because someone TELLS me to.