[Porsche-O-Phile]

One VERY nice thing about NH is no mandatory insurance. It cuts down on a lot of the bull that the scumbag ins cos pull in other states (a huge reason I'll never register or insure in MA even though I could since I'm there 50% of my time and have an address there I could use through relatives).

It is a bit of a double-edged sword though since NH does get more than its share of stupid redneck dirtbags driving around in schyteboxes that can potentially hit you and from whom you'd have little or no recourse (what are you or your ins co going to sue them for? Their collection of sweat-stained Red Sox ball caps, "vapeing" supplies or their beat-up plow truck? A lot of these jokers have next to nothing to their name and no aspirations in life). Just as with illegalos in CA, this gets reflected in MY "un/under insured motorist coverage premiums too. So basically (just like was the case with CA) I get to pay extra to protect myself from irresponsible hucksters who can't be bothered to adequately insure themselves.

I still think it ought not be mandatory (I'm libertarian) but it just irks me that I need to pay extra simply because I have worked for things I wish to protect from some indiscriminate fool on his way home from the bar that evening (or morning - lots of habitual drunks around here - it's a New England thing...).

Maybe CA was onto something with their "evidence of fiscal responsibility" in lieu of a hard-and-fast insurance requirement - you could post a bond to satisfy the requirement but I never really looked into what it would take (was told "it's simpler to just buy a policy" by a few folks). That logic might have some merit though - you need to have a net worth / value / assets that could come into play of at least say $50k before you can legally drive - or buy a policy in that amount minimum. I think I could support that line of thinking. I don't like the idea of being forced to enrich an insurance company as a mandatory requirement, especially when the insurance companies are among the biggest political campaign donors (translation: legalized bribers) of politicians out there, but I digress...