this post was submitted on 10 Dec 2025
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75k is a pittance compared to the damage you could do to another person's property or life while driving. That's the whole point of the legally mandated liability insurance--for most people getting in an accident that results in injury to the other party would be financially devastating. And even worse would be having someone hit you and put you through 250k of medical care with no ability to pay.
Thousands of people are injured every day in car accidents in the US and about 100 are killed, so its not some kind of unicorn situation.
If you want to argue about driving being a necessity to live and work, that's a completely separate discussion from why liability insurance is necessary.
It's not a completely separate discussion though. If driving is necessary to live and work, and you legally have to have insurance to drive, then I believe that to be a completely reasonable connection. I'm not saying we shouldn't have a system in place to ensure people's lives don't get destroyed without proper compensation, I'm simply saying our current system is broken, and to try to justify it with saying you can spend what amounts to more than what the average person annually makes in the US is ridiculous.