Originally Posted by
Roody
Since almost every American believes that they must own a car, they see no choice but to buy insurance for it (or eventually pay a heavy fine). So in effect, there is a government mandate to buy auto insurance.
Again the mandate is not to insure the car or owner of the car, the mandate is to insure you are able to protect others in case you are found responsible for damage or injury to others. If you own your car and you choose, you do not have to cover either your car or yourself. Besides I think most automobile insurance mandates are state mandates, not federal. I believe the 10th amendment gives powers not specifically enumerated in the constitution for the federal government to the states or to the individual. States mandating auto insurance coverage would be acceptable under the 10th amendment. The current health care law as I understand it would be more akin to the government requiring I purchase a warranty for my car.