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Originally Posted by dyna mo What state are you in? The only state that could have something like this is Michigan. ... then your personal health insurance coverage kicks in.

So, this brings the whole argument down to the reason for universal health coverage -- then there would be no need, and the excess costs and profits, in all of this bullshit ... No matter where you are: if you buy auto insurance a cost of $500 - $1,200 +- in premium/yr revolves around bodily injury auto accident events.