[isthisnickcool]

Insurance is not insurance if you force the "insurer" to cover a risk that is finite, such as pre-existing conditions. It's like making fire insurers insure houses that are aflame or have already burned to the ground.

FYI, every taxpayer pays for what the Feds call flood insurance. Why? Because the NFIP/FEMA program which is called flood insurance runs out of money and is subsidized by the US Treasury. It is a PONZI scheme.

[isthisnickcool]

Oh, one more thing. As somebody already posted states require that a person prove financial responsibility when it comes to legal liability regarding vehicles. You are not required to buy insurance. I know several people with big bucks that “self-insure”.