I live in Indian country, and per capita we have more DWI fatalities than any city in the US. We are forced to buy no fault insurance because drunks NEVER have insurance. I live close to I-40 and there has been a huge increase in fatalities caused by illegals from Mexico. The one thing that drunk Indians and illegals from Mexico have is that they NEVER have insurance, they ALWAYS KILL INNOCENT PEOPLE, and most of them don't die in the wrecks.
Because of this, our insurance rates are much higher than any where in the US. When I was living in Albuquerque I had my Corvette insured with State Farm, and when I moved into drunk territory, my insurance went up several hundred dollars a year. When I asked my agent why he told me it was because of the high rate of uninsured motorists in this area.
You got that right.