4 ms·

Car insurance seems like a good thing, I wonder why it's not subsidized for the very poor.

argonaut 4y ago
In California, at least, this exists: https://www.mylowcostauto.com/ https://www.mylowcostauto.com/
throwaway2037 4y ago
You wrote: <<Car insurance seems like a good thing>> In /some/ places, car insurance is required by law. How does it work in places where it is not required by law? At first thought, it appears more financially risky to drive! I guess that insurance would be even more expensive because it is more likely that the other side is insured.
- justinator 4y ago
  >> In /some/ places, car insurance is required by law. Looking this up for the US (the country where I live), it seems that only NH doesn't require car insurance (ninja edit: Virginia as well). So for me, this is an interesting hypothetical, but not in a way that's a part of my reality as I do not live in either of those two states. >>At first thought, it appears more financially risky to drive! As someone who does not own a car, and does not drive (and is poor - very poor in HN standards as well as in the city I live in), I would like drivers that I share the road with to have insurance, rather than drive without insurance. Getting hit by an uninsured driver would be an absolute nightmare that I doubt I could even afford to bring to court.
  - jhugo 4y ago
    > Getting hit by an uninsured driver would be an absolute nightmare that I doubt I could even afford to bring to court. Not sure about the specifics of your car insurance but mine would cover that.
    - justinator 4y ago
      Hopefully you read the part of not owning a car and thus not having car insurance, so my non existent insurance would not.
  - ElevenLathe 4y ago
    Texas technically doesn't require auto insurance either, but you need to leave some crazy amount of money in bond with your local sheriff, essentially proving you're rich enough that you can insure yourself.
eru 4y ago
Seems a bit silly to have specialised subsidies for everything. What's next, subsidies shoes for poor people? Just give poor people money, instead of a million special programs with extra bureaucracy and red tape.

In California, at least, this exists: https://www.mylowcostauto.com/ https://www.mylowcostauto.com/

throwaway2037 4y ago

You wrote: <<Car insurance seems like a good thing>> In /some/ places, car insurance is required by law. How does it work in places where it is not required by law? At first thought, it appears more financially risky to drive! I guess that insurance would be even more expensive because it is more likely that the other side is insured.

justinator 4y ago
>> In /some/ places, car insurance is required by law. Looking this up for the US (the country where I live), it seems that only NH doesn't require car insurance (ninja edit: Virginia as well). So for me, this is an interesting hypothetical, but not in a way that's a part of my reality as I do not live in either of those two states. >>At first thought, it appears more financially risky to drive! As someone who does not own a car, and does not drive (and is poor - very poor in HN standards as well as in the city I live in), I would like drivers that I share the road with to have insurance, rather than drive without insurance. Getting hit by an uninsured driver would be an absolute nightmare that I doubt I could even afford to bring to court.
- jhugo 4y ago
  > Getting hit by an uninsured driver would be an absolute nightmare that I doubt I could even afford to bring to court. Not sure about the specifics of your car insurance but mine would cover that.
  - justinator 4y ago
    Hopefully you read the part of not owning a car and thus not having car insurance, so my non existent insurance would not.
- ElevenLathe 4y ago
  Texas technically doesn't require auto insurance either, but you need to leave some crazy amount of money in bond with your local sheriff, essentially proving you're rich enough that you can insure yourself.

eru 4y ago

Seems a bit silly to have specialised subsidies for everything. What's next, subsidies shoes for poor people? Just give poor people money, instead of a million special programs with extra bureaucracy and red tape.