> And yet >15% of cars on the road are not insured, and those with insurance are punished by this fact. Functionally, the state is in the best position to captu

> And yet >15% of cars on the road are not insured, and those with insurance are punished by this fact. Functionally, the state is in the best position to capture the necessary revenue to support these services. And that is exactly why any service that is universally required is best handled as a "tax". I put tax in quotes because it might be literally paid from taxes, or could be a mandatory fee charged by the government under some other name, but still looks and quacks like a tax, so same thing. So yes, car insurance should be simply part of the registration payment. No use making it more complicated since everyone is better off if every car has insurance. Anything that is unconditionally mandatory is best paid from taxes.