Massachusetts is considering or has already passed a law requiring everyone to have health insurance.

Where they require health insurance, what are they going to do if you can not afford an insurance policy. Someone with a severe preexisting condition could have a good job and still not afford a policy.

(Collision Automobile Insurance, which is extra coverage on the same policy, covers property damage to your car and is covered if you are at fault or even slid into something – anything that is not the fault of the other party – if the other party was at fault, your property would be covered by THEIR liability insurance)

Collision insurance is only required if you have an outstanding loan on your car through a financial institution (this is called a lien). This is because whoever (the morgagor) loaned you (the mortgagee) money for the car needs to make sure that the insurance will pay for damages (so they will be paid) in the event you negligently wreck your car.

Heath insurance is optional because the only person that is covered is you (not the PUBLIC at LARGE). Further, your own policy most likely also has personal protection that includes medical expenses for you to in the event of an accident – depends on the policy.

Health insurance is for accidental injury, illness, doctor’s visits – usually not directly associated with a car accident – and this, again, depends on the insurance policy, circumstances, etc.

I know this is a lot, but thought I’d give you a good understanding of it.

Also, even if the law didn’t require insurance, the bank financing your loan would until it’s paid off.

One is not legally required to own a car, the insurance premium one pays is only required of them because they have a car.

If one gets sick, they don’t have to see the doctor, if they’re insured or not. Car insurance is to protect other people who may incur damages from your driving. If someone doesn’t want to insure themselves medically, that’s their business.