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why do I gotta pay extra if someone else doesn't have insurance?

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(@gecko-greg)
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Seriously, I'm kinda annoyed right now. Just moved to NH and was sorting out my car insurance stuff, and turns out I've gotta pay extra money in case some random person decides not to have insurance. Like, shouldn't that be their problem, not mine? Feels like I'm being punished for other people's choices. Is this normal everywhere or just here in NH? Curious if anyone else finds this kinda ridiculous or if I'm just missing something obvious...

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