this post was submitted on 06 Oct 2025
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Conversely, you can also just drive around with no insurance at all and still do all the safety things and be terribly careful as if you had insurance.
Most can probably go through life without ever having to use the insurance or be stopped by the police.
And if you ever do get into an accident, if it's not that serious, you'll end up paying the same amount up front as you did if you had made regular payments over many years.
If it's serious, no matter how you deal with it it's going to be expensive ... with insurance it will cost you ... without insurance you'll probably end up in prison.
Tune in for more from my TED talk
this is anecdotally super wrong.
I drive like 15,000 km a year (VERY LITTLE) - in the past 20 years I've hit probably a half dozen ride programs and been rear ended twice by someone else while fully stopped at a red light
While I've never had to actually file an insurance claim, there have been plenty of times I've had to present it