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Comment by lokar | Hacker News Reader

Yeah, required liability coverage needs to go way up.

No, draconian punishment of uninsured drivers should go way up. I am already paying a lot of money to compensate for them; I shouldn't pay more. Auto insurance is extremely expensive already.

Serious accidents routinely exceed the minimum coverage. I carry extra insurance for myself for that situation. Why should I have to do that?

My point is the overall cost of any level of insurance is way higher than it should be because of uninsured drivers. Maybe, if we solved that, everybody should be able to afford a higher level of coverage to better account for serious accidents.

You could require new cars to take some kind of electric proof of insurance (and license) to operate :)

Just put it in yearly registration fee, like most modern countries do.

The profits stay within the government, fees can be easily adjusted to inflation and is enforced onto everyone thus reducing the headache for drivers and cops.

Then you'll have people not registering their cars. Which already happens a lot. They steal a plate or renewal sticker from another car or just drive with it expired.

Any cop car with LPR would instantly stop and ticket them tho.

When you say a lot, by how much really? I suspect it's tiny.

Maybe. I see cars driving around without any visible plates at all sometimes, and they don't seem to get pulled over. Traffic violations seem to be the lowest priority for cops the past few years.

I think if you're the sort of person who would drive with a suspended license you would also drive with expired plates and no insurance.

Unfortunately the main effect of this would most likely be a massive increase in the percentage of drivers who are uninsured.

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