Do you think it's government takeover? Or is the government forcing you to buy private insurance? Our state has mandatory car insurance, and someone that didn't speak english hit my car while I was stopped at a red light. He had completely useless insurance. He was literally paying for nothing. My insurance agent told me that his insurance was part of what is known as the "dirty dozen." It's a dozen insurance agencies that you pay to meet the legal requirement, yet they provide virtually no coverage. You have to beg them to pay. My agent told me these agencies had to install bullet-proof glass in their offices to protect them from their own customers. My insurance took care of the repair to my car.