Wisconsin the 49th State to Implement Mandatory Liability Auto Insurance
Posted in Auto Insurance
January 25th, 2010
In June 2010, Wisconsin will be the 49th state to implement mandatory auto insurance in the nation. The only state left that doesnt required mandatory liability auto insurance is New Hampshire.
The Specifics of the New Law
According to a new text of the Wisconsin law, no person may operate a motor vehicle upon a highway in this state unless the owner of the vehicle has in effect a motor vehicle liability policy with respect to the vehicle being operated. In other words, drivers will be required to carry proof of insurance to traffic officers whenever driving their vehicle.
The minimum coverage limits for auto insurance policies will be set at $50,000 for bodily injury or death of one person in one accident, $100,000 for bodily injury or death of two or more people and $15,000 for injury or destruction of property of others in one accident.
Obtaining Auto Insurance Coverage is Important
Currently, it is estimated that one in 10 drivers in Wisconsin do not carry auto insurance coverage. With the passage of this law, this number is expected to increase. However, if the world was perfect, 100 percent of drivers would carry coverage. The costs associated with an accident or other related charges can be astronomical and almost impossible to pay out of pocket.
Auto insurance relieves those costs, which is why its so important to coverage. If youre concerned that you cant afford it, there are companies offering discounts just for signing up online. So why not shop around for auto insurance is to find the right coverage for your budget.
I feel that this law is very unconstitutional due to the fact it is depryving me of my 9th amendment (the right to the pursuit of happiness). “We hold these Truths to be self-evident, that all Men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty, and the Pursuit of Happiness — That to secure these Rights, Governments are instituted among Men, deriving their just Powers from the Consent of the Governed. . .” and also my 4th amendment (reasonable search and seizure). Some people cannot afford insurance, but also cannot afford not to drive. I have earned and paid for my right drive already by obtaining my drivers license, purchasing a vehicle, and paying for my registration and plates. There are not simply enough hours in a day for some people to take public transportation, or pay for a cab everyday for quicker demands. This will cause many of the working class to lose hours of rest/sleep everyday therefore creating an unhealthy lifestyle. This law is also discriminatory against younger drivers who are in school or are unable to work to pay for insurance. To be able to drive should not just be a luxury for those who can afford it, but a way of life for those who have earned it. If you were told that your grandmother has to stand on the bus stop everyday in the winter(Especially in Wisconsin), because she cannot afford car insurance because she is unable to work and her social security does not provide enough for her to pay, how would you feel? The intentions of this law are good, but the effects will not only affect the working class, but will drive the economy from a recession to a depression. Why add another bill in a down economy? This is unacceptable and someone must stand up for those who cannot afford this. Or there should be some government assisted auto insurance implemented to give the working class a chance at their pursuit of happiness.
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