> I wouldn’t have insurance but it’s required in my state. As long as you have a few million set aside in case you cause one of the 45,000 deaths, or even more

> I wouldn’t have insurance but it’s required in my state. As long as you have a few million set aside in case you cause one of the 45,000 deaths, or even more injuries, that happen on US roads every year, I agree with you. But then you say exactly my point in your last paragraph… you’re all over the place here. Insurance isn’t about pot hole damage. If you use it all the time, it’s a membership fee, not insurance.