Wayne, there is a very important distinction between this "If I purchase a car, I am voluntarily taking on certain civic responsibilities that require the purchase of insurance. I have no problem with that."

Even if one were to find some correlation, there are two distinct differences. Both are significant, however, the second difference is incredible.

1) You own a vehicle, most states require that you carry a minimum level of liability insurance. There is not ONE (special emphasis added) state that makes collision and comprehensive mandatory. Therefore,, the state mandated insurance (a minimal amount of liability) only insures other's vehicles to which you damage, at fault. Any required collision or comprehensive is a lender's requirement, to protect their investment. You buy the vehicle, using your own funds, you only have to protect others, no yourself.

2) Property and Casualty Insurance is underwritten, as health insurance USED to be. If the ACA's standards were moved to P&C, it would run like this .... You have never had an at-fault accident. You have had no moving violations for the past thirty years. However, your neighbor has had twelve DUIs, thirty-six moving violations, within the past five years, and sixty-four "at-fault" accidents. You would both pay the same premium. GREAT for your neighbor ... TERRIBLE for you.