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It is called the insurance industry, and everyone in the country who drives is required by law to be a part of that industry.
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In New Hampshire, auto insurance isn't required by law - people are still allowed to self-insure - and as a result we have low insurance prices and a fairly low rate of uninsured motorists.
Meanwhile in Massachusetts, the insurance companies are fighting to be allowed to charge bad drivers more. I wonder if that's why the motorists down there are so angry all the time...