Free(r) Communities = Safer Roads
Posted by: Not The Only One in New Hampshire, Government InterferenceWhen I tell people that personal auto insurance is optional in New Hampshire, they look at me like I just told them that people in New Hampshire have horns. They can’t comprehend how the New Hampshire government could allow such a thing to happen. They might say something like, “That’s the stupidest thing I’ve ever heard!” And given they are statists, I’d assume they’ve heard plenty of stupid things.
No, forcing people to buy insurance is stupid, and for a variety of reasons.
In almost every other state in the U.S., drivers are forced to buy insurance. This of course is a sweetheart deal between the insurance industry and the state governments. The insurance companies pretty much charge whatever premiums they want and offer whatever terms they want, because they know that ultimately the driver will have to buy an insurance policy from one of them or not drive their own car at all.
The biggest morons I’ve met imagine New Hampshire as this nightmarish landscape littered with broken bones and twisted metal as cars smash into people and property every five minutes, because after all, having no auto insurance makes one less responsible about their driving, right?
Wrong.
In New Hampshire, auto insurance companies understand they have to charge premiums and offer terms that are actually competitive, because they know the driver has the option to buy no insurance at all. As a result, premiums are much lower, and most people in New Hampshire have auto insurance for the simple fact that it is affordable. (more…)

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