Originally Posted by
Roody
In Michigan they put you on a high-risk status if you let your insurance lapse. It's been a while since I had to deal with insurance, so I don't remember the details. But it sucks. If California can avoid this injustice, the ought to do it.
BTW, I do recall a number of people posting here that they were reluctant to give up their car because there would be a financial penalty if they decided to go back to owning a car.
There is indeed a financial penalty. I lived over five years with no car, and no insurance, and when I went back to the dark side, the insurance company gouged me. I expected this; it's what insurance companies do. If you drive for six months, though, and shop around, and are willing to cajole a little, you can go back to more reasonable rates. (Although I can't think of rates more reasonable than ZERO.)