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Not sure if insurance is mandatory in the US or not

It's mandatory and requiring proof when you register your car. Your insurer also has a line to the DMV (car registration government) to say, "FYI this guy is not insured" and the DMV gets mad.

It's a known problem, particularly with undocumented peoples, that they are often uninsured. California studied the issue: https://www.insurance.ca.gov/01-consumers/105-type/95-guides...

In the report California states up to 13% of the US residents of some areas do not happen to possess documentation documenting their legality of being in the US. Often they came from countries with no insurance requirement, so they are unaware of American culture and policies in this regard. The report also states 10% of drivers are uninsured. I'm not sure why the DMV isn't getting mad in this case, being informed the car is not insured. So it's "mandatory" but 10% of drivers are not insured. Similar to how in California retail theft is technically "illegal" but a lot of people will do that without consequences. Honestly if you ask me we need to be waiving the insurance requirement for cultural reasons and take a verbal Spanish-first policy to help accommodate people who have undocumented English skills or are without documentation of being literate.




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