Auto Insurance Alert!: Why the System Stinks, How to Fix It, and What to Do in the Meantime
Last updated October 31, 2026
Andrew Tobias explains why auto insurance in the United States costs so much and why so little of each premium reaches people injured in accidents. He blames much of the problem on the lawsuit-based liability system. He argues for reform, including his proposal to fund basic no-fault coverage through a charge on gasoline, and offers drivers practical steps for lowering their own premiums while the system remains as it is.
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