to be fair car insurance should be required, because cars are potentially very dangerous, and the cost to infrastructure and people is very high if damage was incurred. also certain areas will have even higher rates than surrounding areas due to the demographics that are likely to cause accidents or collisions. thats why its important to invest in public transport more, like HSR, this will totally eliminate the need for cars in many areas.
to be fair car insurance should be required, because cars are potentially very dangerous, and the cost to infrastructure and people is very high if damage was incurred. also certain areas will have even higher rates than surrounding areas due to the demographics that are likely to cause accidents or collisions. thats why its important to invest in public transport more, like HSR, this will totally eliminate the need for cars in many areas.