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The point of mandated auto insurance is that a lot of people don't have an extra 30k, but we want even those without that extra 30k to be able to drive without those they might get into an accident with having their car damaged through no fault of their own and no way to get back the money from the person who caused it.

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Makes no sense. Just have a better court system that makes people who cause damages to other's car have to pay a certain amount to that person per month. Like car insurance but there isn't a middle man and you only pay when you get in an accident.

Garnishment can be too slow to deal with the victim's liabilities, and even still has no guarantee of ever repaying the loss.

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