this post was submitted on 07 Jul 2026
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Sounds like more ways for insurance companies to a) charge you more based on behaviors they arbitrarily determine are “bad”, and b) take your payments for years/decades then never pay out because they say something you did on video makes any accident your fault based on some term buried in the 500 page contract you obviously didn’t read all of.
They already do “a” by taking vehicle blackbox info uploaded by dealers or via telemetry and increasing your rate via their risk analysis. Note, your rates never go down for good driving. Only up.
I used to think like you do. "How does this benefit me?"
But as a pedestrian who was hit by an uninsured driver, I can firmly tell you that you have no idea what you are talking about. Driving is not a constitutional right. It's a privilege that the state gives to you. It's extremely dangerous for those around you, so limiting the ability to drive very dangerous vehicles to people who are financially responsible isn't the worst idea. You might even say, "but you can just sue the person who hit you if they don't have insurance." The response is to think about the kind of person who can't afford $100/mo and how much you might be able to squeeze out of them in a lawsuit over $20,000 in repair bills.
It's not a $20k repair bill I'm worried about, it's the potential of $100k+ in medical liability that I'm really buying insurance for.
In my area there's plenty of expensive cars driving around too, I somehow doubt the minimum $25k insurance would cover even half the cost of a totaled car + everything involved.
I didn't mention the medical liability, since a modern civilized society shouldn't need to have me worried about medical liability. I was lucky to have good insurance when I was a pedestrian hit by an uninsured driver. I wasn't on the hook for my $60,000 in medical bills, because I had insurance. In a good society, I shouldn't need private medical insurance to protect me if I get hit by an uninsured driver.
Now, if my new car gets totaled by a shitbox '88 Cutlass Cierra driven by a person who can barely even afford THAT car, then that's where requiring insurance comes into play.