Buying a car is not mandatory, but car insurance is real - real insurance. Obamacare isn't. Posted: Jul 9th, 2018 - 2:29 am In Reply to: Banks force HO insurance or car insurance. - Why not health?
The buyer in real insurance pays a certain amount to purchase financial protection against unanticipated, catastrophic expense, which is very affordable for safe drivers because the insurance companies are permitted to measure risk against reward and charge lower premiums for those deemed less likely to make expensive claims.
A driver who gets into many accidents and submits a high volume of claims can expect to pay much higher premiums and are a high level of risk. So you have many options.
Auto insurance does not pay for routine vehicle maintenance, gasoline, or optional enhancements to the car (compare it to going to the doctor's office, etc.)
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