We should have insurance like Europe. Once you buy the insurance you can’t cancel it with out turning in your plates. Plus,if you don’t make the payments on the insurance it isn’t canceled. The insurance company has a credit problem, but other drivers aren’t put at risk. The reason the insurance companies fight that and the politicians don’t like it is that many would have to pay 100% in advance because they have bad credit. They figure it would be a burden on minorities.
Once you have lived outside the US..it gives you a idea that don’t have to put up with this crap.
If you cancel an auto liability policy in Virginia, the insurer will electronically report the cancellation to the DMV, which will then send you a letter in the mail asking for verification of a new policy.