Comment by ryandrake
17 hours ago
I know someone who's been at fault in at least 12+ car accidents, and she keeps driving (as someone else put it you almost have to drive in the USA). There are colossally bad drivers out there and we don't yet have a viable system for keeping them off the road.
How is she able to get insurance coverage?
Most US states have some sort of assigned risk pool which makes minimum coverage available to even the worst drivers, as long as they still have a valid license. (I'm not claiming that this is necessarily a good public policy, just pointing out that it exists.)
https://insurify.com/car-insurance/knowledge/assigned-risk-a...
I'm happy to make the claim this is terrible policy that literally kills people. Every dollar spent on this should go toward transit funding instead.
2 replies →
1) What makes you think she has insurance coverage?
2) https://en.wikipedia.org/wiki/Actuarial_science
With that many accidents, I'd assume bankruptcy if she didn't.
re: 2) yes that was the point. She'd have to be paying multiple thousands in an assigned-risk pool policy with that record of at-faults.
2 replies →
Strangely enough... Most US states do not require insurance. Yes, really!
In almost every state, you may post a bond in lieu of insurance, for an amount as low as $35,000!