Part of the problem of car insurance in the USA is that we don't really enforce people to be insured (1) and that the minimums are too low (2). Here in AZ when

Part of the problem of car insurance in the USA is that we don't really enforce people to be insured (1) and that the minimums are too low (2). Here in AZ when you drive uninsured the cops can't even hold your car anymore. They'd tow you and you get to the impound lot, pay the fine and walk away. That doesn't help anybody, as the person still isn't insured as they walk (drive) away. If we increase the mandatory minimums groups of people will not be able to afford insurance and that costs votes. This is something that is so different in Belgium. In Belgium driving without insurance and / or license (even not having it on you) is considered a big no-no. Hell, most people scoff less at driving while (slightly) impaired than driving without license / insurance.