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Eventually you’re going to see a lot of people just driving without insurance (car insurance is soaring as well as home insurance).

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A couple of issues separate car insurance with home insurance. You can still buy a car and drive it without insurance, albeit illegally in most states. With a home you cannot even BUY the home (with a mortgage) without home owners insurance. You could "self-insure" but no lender will give you a mortgage without insurance. Whereas a car dealer will gladly sell you a car with or without insurance.

Eventually, government will mandate insurance before buying the car.

Then people just won’t be able to drive. I think a lot of people don’t see how precarious some people’s lives are now, even with what would have been decent incomes five years ago.

You already do, you just don't know it because it's not something plastered on the windshield. Same thing with driving without a license.

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