this post was submitted on 06 Oct 2025
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So the person who hit you and totaled your car can hire a lawyer and sue the shit out of you, which your insurance will settle out of court for an undisclosed sum, and they get to walk away with the money, you get Jack shit, and to top it all off, you don't even have a fucking car anymore.
Don't get me wrong, I'm in favor of insurance when it comes to 1000+ lbs death machines that go barreling down the road at speeds faster than the fastest land animals as part of normal usage, while packing more kinetic energy than a high caliber bullet.
.... It's just... Those laws aren't there for you, they're there to protect the rich. After all, you might hit their Porsche with your Honda, and they don't want to pay for that.
If mandatory liability insurance existed for the sake of Porsches, the madatory maximum would be enough to cover a Porche. Then they wouldnt have to go to the trouble of suing you.
I mean if they hit you, then their insurance pays. Maybe it's different on your continent though.
If someone with money hits you, your vehicle, or even your life, has a value that is predetermined by the insurance companies by whatever policy you get.
The middle and upper class can afford comprehensive insurance so if they are found at fault for hitting you then they still get a payout.
If you hit them, they get a payout.
If you're poor and can only afford liability insurance, your best hope is that someone is found to be at fault for hitting you, and you get a payout. If you hit someone else, you get jack shit, and they get a payout.
The fact is, they are unlikely to be found at fault, since the rich and powerful have long since paid off the cops who write the incident reports. So if they're at fault, then the record says nobody is at fault. But if they can spin it so that you're at fault, then you're at fault.
Honestly, it's the main reason I own a two channel dashcam. I don't want to get fucked by some rich asshole, who lied to the police to make a collision seem like I'm at fault. If I'm genuinely at fault, then fuck me I guess. I can accept that I fucked up.
I try to look at this shit from all angles, and all I ever see is that the ones that always win, is the insurance companies. 10 out of 10 times, and the rich bastards with the best insurance policies come in second place. The rest of us are a distant third, we stand to lose the most and gain the least, even if things are in our favor.
The dash cam is a great idea always.
Anyway, my original point was that nobody is forcing you to insure yourself, only the danger you can pose to other people on the road. Because people seemed salty that insurance is mandatory. And at least where I come from, liability insurance is very cheap compared to full coverage.