SO ...
If this is true, how can the government mandate that automobile insurance be purchased?
Just askin ...
They can only do that for people who decide to use government services and products (the roads).
The difference is that with the healthcare mandate, there are no "only if" provisions. Everyone must buy, regardless of need or want.
The government can’t mandate that you buy auto insuracne. They can mandate that you buy it if you want to drive a car on public roads.
Automobile insurance only has to be purchased if you drive.
STATES mandate auto insurance!
You must buy insurance to cover the cost of causing damage to others on public highways. You are not required to insure your own vehicle against damage caused by you.
You can choose one of many insurance carriers.
You can choose your deductible and limits.
A car finance company will require you to cover the cost of the loan with insurance, or you can pay cash & buy your own vehicle.
You can also ride a bike or use public transportation.
The choice is yours!
well first off it’s not the federal government that mandates auto insurance, and each state has it’s own guidelines. If you own your car out right, you can usually just buy insurance that covers your damages against someone else. If you have financed your vehicle, the finance company wants you to insure your own vehicle to protect them against loss. The same with a house you may own. If you own it outright, you don’t need insurance....if however you have a mortgage, the loan company wants insurance against their potential loss.
You are not forced to drive a car. You are forced to buy medical insurance just because you are alive.
What Federal Statute requires me to have auto insurance?
For one, the Federal Government doesn't require auto insurance, the States do and having your insurance coverage being good across State Lines, is covered under the Commerce Clause in the Constitution.
It’s the state, not the feds mandating that you buy car insurance if you drive on the public roads. If you don’t buy insurance, most states have an uninsured fee that you must pay.
Just askin ...
They only mandate that you buy insurance if you want to drive a car after you receive a gummint issued drivers license.
If you have no car, no mandate.
In the health care mandate, everyone is required to purchase, just because you are alive.
People who don’t own cars or who don’t drive do not have to putchase auto insurance or pay a tax to provide it for those who do drive.
Big difference.
Just tellin'.
The federal government does not regulate that, but the states do. Each state regulates the driving age, etc. If the states decidedly independently to mandate the health insurance coverage, then there would be less recourse in the Suprme Court. But, you’d have the option of moving to a different state, if you wanted.
There is a difference in what the *federal* government can do vs. what *state* governments can do. The states are supposed to have fairly broad and general powers especially over the areas of health & safety. The federal government is supposed to have *limited* powers.
Other posters have also made good points about the differences.
But there is no requirement that I do have it to register a vehicle in NH.
Live Free or Die, baby...