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Originally Posted by onesnowyowl
I live in a state that requires liability insurance, yet when I worked for a minimum-wage employer with other minimum-wage employees, I knew plenty of folks who went without insurance. I would say about half of my crew (15 people) were without liability insurance yet still driving cars.
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I'm familiar with Oregon. The problem of uninsured became so bad that there are now laws that the police will confiscate your vehicle until proof of insurance is presented. Some people just flat out lose their cars and go buy another cheap used car after they consider insurance, the ticket, and impound fees.
california also requires liability. they weren't ever able to pass something as strict as oregon's laws on how to enforce it, but many carriers won't insure you if you refuse uninsured motorist. these are two examples of how both the governmen and the private sector responded to the reality that many people refuse or are unable to secure insurance.