yeah isn't insurance costs based on a risk assessment? Insurers aren't in the business of giving away money. edit: people will only put up with it for so long

yeah isn't insurance costs based on a risk assessment? Insurers aren't in the business of giving away money. edit: people will only put up with it for so long and then you'll have vigilante squads running around which is a much more dangerous and expensive problem than just enforcing existing law