Car Insurance: Should We Pay for It Now or Later? - 403 responses

Jan 12, 2014

In response to the debate over cell phone use in cars, Concord resident Fred Smith recently wrote the Concord Monitor to argue that auto insurance should also be legislated and mandatory. In asking Live Free or Die Alliance (LFDA) Facebook members “Should NH require all drivers to purchase auto insurance?” the response was divided, as 49 percent opposed mandatory insurance, 36 percent expressed support, while 15 percent did not offer a clear position. In total, the LFDA received 403 responses, including specific comments from 140 individuals supported by 210 concurrences.

Comments such as “What part of Live Free or Die do they miss?” and “Stop trying to fix what isn't broken” seemed to typify the opinions of those Facebook fans who were opposed to the idea of mandatory car insurance.  Others felt that owning auto insurance should be a personal responsibility, not a public requirement. “People should be responsible for damages if they cause an accident,” noted one woman, “but that doesn't mean you should force me to buy insurance because I may one day have an accident.”

For many who offered their support of mandatory insurance, safety and liability were cited as primary concerns. “It protects both the person who causes the accident and the person who is affected through no fault of their own,” one respondent said. “Accidents happen every single day.”

The case for or against mandatory insurance is complex, however, as several commentators cited personal experiences as proof. Explained one respondent, “Having had my car totaled by an uninsured driver who also gave false info on their license, I can say that I wasn't happy being left responsible for someone else's poor decisions. I also don't know if I like the State mandating any more than they do.”

Click here to see the full Facebook discussion of this question.

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