Scotts figures:
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Voluntary insurance is fine. Compulsory insurance is not, including
compulsory "liability" insurance we have to carry on our vehicles.
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WRONG!

I need to know that when you put me out of action through an automobile
accident, that you'll have enough insurance to cover my loss of income
and sundry other expenses. Such insurance MUST be compulsory. If you
don't like it, don't drive -- it's a fee you pay to be able to get on
the road.