And here we get to the heart of the matter: Individual or group responsibility. Everyone is responsible for their own insurance. Every individual has to communi

And here we get to the heart of the matter: Individual or group responsibility. Everyone is responsible for their own insurance. Every individual has to communicate an estimate of the miles/km they plan to drive in a year to receive a correct insurance. If you fail to do so, you will loose your insurance. No need to regulate this extra and above the systems already in place. As for yearly or 2-yearly checkups of the car, both are also tied to usage. Most people will drive in and around the city, not accross the country. (This is also why Rand has a place in this discussion promoting the über-individual. I also don't always agree with her conclusions but she did address a lot of concerns of her time, half a century ago).