wrote:
On Tue, 19 Nov 2013 23:08:40 -0600, Califbill
wrote:

wrote:
On Tue, 19 Nov 2013 18:10:20 -0800 (PST), True North
wrote:


$35K??
Man, we had that requirement when I was in high school back in the '60s.
It's been at least 100K minimum for a long time now but everyone carries
at least one million PLPD.

Most states have moved to an uninsured motorist model where you buy
the insurance to make yourself whole and the insurance company
subrogates the claim when they can.
They understand the state actually being able to make people carry
adequate insurance is spotty at best.
We have illegals here who don't have a driver's license and are
legally barred from even getting one. Any insurance on that vehicle
would be void anyway since most if not all policies only apply when a
legal driver is driving..

California even issues drivers licenses to illegals! Stated they would
then have insurance. And there is plenty of Tort liability to require you
to carry enough insurance to cover your assets. I do not know how many
states have gone to the no fault model, but California has not.

Even the minimum insurance in the cheapest state is probably more than
you could squeeze out of the average American in court.
You can bankrupt them but then you are done. In homestead states you
can't even go after homes or pensions.

What is wrong is if someone with lots of assets causes an accident here in
California he could lose a couple million in court. While if the same
thing happened to him and the causer had no or minimum insurance, that is
all you could get.