Ball State

» Auto insurance

By China at 3:27 PM

So many, many times I have wondered what would become of me if I could not afford to carry auto insurance. I love having the right to drive a car, but I also struggle to pay for that right by carrying car insurance. Once I receive a couple of auto insurance quotes, I ask my friends who they use and check out their carrier if I haven't already done so. I know it is going to be pricey even before I get the quote, so I just have to budget having it just like I budget the rest of my expenses. What I do not understand is, exactly what happens to you if you do not carry car insurance. I have heard the stories more than once about someone being in an auto accident and the other party did not even have any auto insurance. Now how can that be fair. Your carrier is either going to raise your rates or cancel you altogether and what happens to the uninsured party? Do they even get a slap on the wrist? I think they should at least have to come up with a few auto insurance quotes and let me pick one and let them pay for my car insurance. That seems fair to me. If the law requires me to pay for car insurance in order to drive, then shouldn't there be some consequence for the other person who is technically driving illegally? I could quite frankly come up with some very good and fair ideas all by myself as to what can be done to correct the situation. Maybe they could come over and clean my house until they got me paid back for being a responsible car insurance carrying member of society. I just have never been one to "color outside the lines" so to speak and it infuriates me to think that there are people out there every minute of every day that are driving around without having to take the same precautions that I have to take and follow the rules. Auto insurance does not get any cheaper the longer you have it, it continues to go up year after year after year. Even if your driving record is as clean as a whistle and you've never had anything more than a parking ticket in your entire life, your right to drive without car insurance does not disappear. You have to carry it and I have to carry it.