Effective Government

Sell insurance by the gallon instead of by the year

Add an insurance tax to the price of gasoline and drivers will never have to deal with the DMV or car insurance companies again. Split the cost of the tax between the consumers and the providers. Everybody who drives will be automatically insured and registered. Those who drive the most will pay the most, and if you want to save money on your insurance, all you have to do is drive less. There would be NO MORE uninsured drivers. Period. Everyone who buys gas is automatically insured. No more monthly payments of hundreds of dollars. All it takes to be completely insured for the road is the price of a gallon of gas. No more arresting people for driving without insurance. The very fact you're driving means you bought gas which means you're insured. Police can focus on other things. Create a single monopoly out of the DMV and all the major insurance companies in which every single transaction is taken care of at the pump. Make the tax 100% earmarked to the bureaucracy that deals with payment of claims, which are all no-fault.

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Idea No. 1343