“The stated goal is to reduce congestion and pollution. “
No, the stated goal is to make sure that if you’re involved in an accident, there will be money to cover the damages to vehicles and people. In this state, you’re not required to carry insurance. If you prefer, you can deposit a $1million bond with the state instead.
Consider this scenario: you’re uninsured, driving along minding your own business, and another uninsured driver runs a stop sign and t-bones your car into the ditch. After six months in the hospital, you’re discharged with an prosthetic leg and chronic back pain, both of which severely limit the type of job you can get. Oh, you’ve also got a $750,000 hospital bill. The driver who hit you has lost his house and most of his income for the rest of his life paying off some of your bills, but it’s nowhere near enough to pay your current and future medical bills. If you’re lucky, you’ll be able to declare bankruptcy and survive on public assistance. Still think mandatory insurance is a government scam?