In Iowa, I've never been asked to show proof of "financial responsibility" when getting/renewing registration except when I was on SR22.
State law says you must have "financial responsibility" which means either insurance or "File a surety bond, cash or securities equal to $55,000.", among a few other ways.
I recently got a no proof of "financial responsibility" ticket because I was driving a used car I had just purchased the week before. With Progressive Insurance, they cover the purchase of a "new car" for up to 30 days, provided you have all other vehicles covered by them and you inform them of the purchase ASAP. I had these requirements satisfied, took the policy to court with me and got the charge dropped. [begin rant] However, I still had to pay some $60 "court cost", which doesn't make any sense because they DROPPED THE CHARGE - basically, admitting they were wrong. Why do I have to pay $60? Whatever. I paid it and moved on (mostly :wink: ).[end rant]
Anyway, I agree that people need to take driving on the road as a very large responsibility. They need to be financially responsible and responsible behind the wheel. However, sadly, people are not going to do that - it would take too much money, time, and effort. But you can't legislate morality, and to attempt to is a futile waste of taxpayer money.
But just wait, soon they'll require license and motor vehicle insurance on tractors since they hit the road sometimes. Then bicycles. Then roller skates. Then baby strollers. Then shoes.
It's a slippery slope. We'd have no need for insurance at all if people did "the right thing" all the time, but they don't and because of that we deal the best we can without infringing on our rights too much.
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