A good question?

[Old Crank]

Why do we allow deadly drivers to stay licensed? We set up very high risk pools to keep dangerous people driving which increases the risk for the rest.
Some of this is an infrastructure problem. Having made cars, now honking pickups, the only way to get to the local coffee vendor, it is hard to remove the privilege of driving.



In the first days of 2023, Lev Fruchter became an unexceptionally unlucky member of an already tragic club when his father, Norman, was killed by a driver while walking to his Brooklyn home — a horrifying crash that echoed the equally horrifying loss of Fruchter’s mother, Rachel, who was killed by another driver 25 years earlier while biking just a few miles away.

In an additionally cruel twist, both of those drivers were enrolled in the New York Automobile Insurance Plan3, which serves dangerous motorists who technically haven’t lost their licenses, but whose driving records are so bad that no private insurers are willing to pay the exorbitant cost of covering them. Under state law, though, those problem drivers can remain street-legal by entering what’s known as an “assigned risk pool,” after which they’ll be assigned to an insurer who’s legally required to write them a policy.

Those policies, of course, usually cost a lot more than ones on the private market. Some people, though, think problem drivers should pay with more than just their wallets when they persistently endanger other road users — and that perhaps they shouldn’t be allowed on the road at all.



Why States Require Insurance Cos. to Sell Policies to the Most Dangerous Drivers.

https://usa.streetsblog.org/2023/02/15/why-states-require-insurance-cos-to-sell-policies-to-the-most-dangerous-drivers/