Here in Tennessee it is illegal to drive a vehicle without car insurance. I, personally, think this is a great law. It doesn’t exactly mean everyone will actually follow it, however it does mean that if I get in a wreck with someone (I only have liability coverage) who doesn’t have it, they will at least get in trouble. I’ve never, ever, driven uninsured, even before it became illegal.
I’ve never been in a full-fledge car wreck since getting my license *knock on wood* however I did barely tap a woman’s rear end while slowing down to a red light (I was going about 5 mph, and started messing with my iPod when the woman in front of me slammed on her breaks) and she did not have proof of insurance, but claimed to be insured. The cop told her, “You know I could take you to jail right now for not having proof of insurance?”
Of course if the tables were turned, I’m sure I would’ve been in major ass trouble, but whatever… the incident didn’t hurt my insurance rates even though a day or so later the lady tried to turn it into a big deal.