this post was submitted on 07 Jul 2026
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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.
Sorry that happened to you, that's genuinely terrible.
That said, I think you should be angry at the cost of medicine and medical care rather than being angry at all poor people because one acted terribly. We should do everything we can to prevent people from being hit by cars, but I don't think exploiting poor people for needing to get from one location to another is going to help lower incidence of pedestrian collisions. In my personal experience it's usually the wealthier cars who drive more recklessly, but there's certainly no mechanistic relation between being poor and being a bad driver. The poors aren't inherently less capable of driving. (Unless, you know of a way to get insurance for free...)
Just buy a new car. If your car repairs costs more than a year of my rent you need a cheaper car - or a better mechanic. I'm very sympathetic to people hit by cars - I think that's terrible. I'm not at all sympathetic to rich (or "middle class") people complaining about damage to their $100k+ vehicles. You can buy an used electric fleet van for ~$40k, and that's just about as fancy as you could practically need. Anything beyond that is a show of status (many things below that are still a show of status), and I'd rather not pay a second tax to an oligarch so people with more money than sense can show off how much money they can waste.
Maybe 16 wheelers should have insurance, but it's exploitation of the poor elsewhere.