Posted On: March 2, 2006, 2:51 pm CST

Posted By: gmg

Harsh as it may sound, if you cannot afford liability insurance, you simply cannot afford to drive. To drive without it is to put others at risk. Is that fair? Of course not! Where did we get the idea that driving is a "right." It is a privilege. Privileges usually cost money. If you don't have the money, you cannot afford the privilege of driving.

What then do we do with the working poor? I don't yet have an answer but am searching for one. One thing is for sure though, allowing them to continue to drive without insurance is bad policy. No wonder insurance company loss ratios continue to climb causing premium adjustments to compensate. What about "No-Fault" insurance? I don't like the thought of it but it may be the only real solution. I really do not have a "heart of stone" as some of my more liberal friends would suggest. I would like to find a way help those who believe they cannot afford insurance to work and continue to pursue the "American Dream of Financial Success." Everyone has to start somewhere but it is simply not fair for them to climb on the backs of those who are already paying the price. What say you?