4 ms·

>Legal liability is one reason. As owner of the car, I am liable for damage it causes. Ummm... Where the hell do you live where this is the case?

• ams6110 10y ago
  Where do you live that this is not the case? I know some states have (or had) a "no-fault" approach to automobile liability claims but I thought it was a minority and perhaps had been mostly abandonded? Who else would be responsible, if not the owner?
  • deleted 10y ago
    [deleted]
  • whatusername 10y ago
    The driver?
    • yladiz 10y ago
      That makes obvious sense, but then the question becomes who has to have insurance on the car that's being driven: the owner/primary user, or the current driver? Generally I can drive my parent's or friend's car without an issue even if I'm not the person insuring the car, because the car is insured, but if I get into an accident the person responsible is not necessarily the driver, it's the insurance holder. Would we require every driver to have insurance for the car they're driving (and if we did, laws would have to chance because you can't currently have insurance "per hour").