The Cedar Rapids police are reported to have issued an arrest warrant charging the driver of a pickup truck with failing to yield and causing a crash that killed a female bicyclist last summer. They also charged him with driving without insurance, but the true crime isn’t with the uninsured drivers on the road, the real crime is with the legislature that allows people to drive with as little as $20,000 in coverage to cover the financial consequences of their actions while driving a ton of metal on the public highways at breakneck speeds. Think about it, this driver would be considered “financially responsible” had he had as little insurance coverage as $20,000. With it costing $15,000 just to bury someone how can this minimum coverage be considered responsible?

Take for instance the “accident” on I-80 this past summer. A Canadian father and his son died in a head-on crash caused by a young NY driver with the minimum amount of liability insurance. The Canadian driver left behind his wife and grade school age daughter. The man wrote to me and wondered aloud what good are insurance laws if someone can carry only a small amount of insurance yet do so much damage to someone’s life. This is a real life example of the cruelty of minimum insurance limits.

So which crime is greater, no insurance or legislators allowing our driving with this paltry sum? You be the judge. 

For more information about how the cost of auto insurance for Iowans compares nationally visit Auto Insurance Tips.