OT - T-Boned

[rdouglass]

In my home state of Maine, you can buy a car and get a license without insurance but you cannot register the vehicle without minimum liability insurance on the VEHICLE itself. SO no matter who is driving, the theory is that the vehicle will be insured for liability losses regardless.

Of course there are always those lawbreakers.

EDIT: And I think the requirement for having collision insurance on a vehicle that has a bank loan comes from the bank / loan agreement and not the law. I work for a rather large insurance agency (quickly ducks) and am kinda' familiar with those types of things. The law is geared to protect the liability aspect and not the bank. The banks put that stipulation in there to protect their investment (how would they repo a totalled vehicle anyways) and not to fulfill the law.