About | HeinOnline Law Journal Library | HeinOnline Law Journal Library | HeinOnline
LOG IN
LOG IN

15 Ohio St. L.J. 150 (1954)
The Case against Compulsory Automobile Insurance

handle is hein.journals/ohslj15 and id is 160 raw text is: The Case Against Compulsory Automobile Insurance C. D. MCVAY* With the coming of the automobile, there arose a need for a type of insurance that would protect both the owner and operator from loss by reason of the legal liability arising out of the use of their cars. The automobile liability insurance policy was provid- ed by the private insurance industry to meet this need. With the growth of automobile production and the almost universal use of motor vehicles, the private insurance industry has kept pace. Its policies have been broadened and liberalized. Its services are available everywhere and at all times. The standard automobile liability policy is one of the broadest policies sold by insurance companies. Back of this insurance there has been created and de- veloped a vast and sound system of private insurance, equipped and organized to provide the insuring public with the protection which it requires. The automobile liability policy is not an ac- cident policy. It is a contract between the company and the in- sured to insure him against loss by reason of his legal liability. It is entered into on a voluntary basis. For over 25 years, state legislatures throughout the country have considered from time to time, the matter of monetary losses resulting from automobile accidents caused by persons who are not financially responsible. The Commonwealth of Massachusetts in 1925 enacted a Compulsory Automobile Liability Insurance Law. This law requires the owner of a motor vehicle to purchase bodily injury liability insurance before registering his car. Com- pulsory automobile liability insurance has been the subject of in- vestigation and study by state legislatures and legislative com- missions repeatedly throughout the years, but the system outside of Massachusetts has been consistently rejected. At the present time, an effort, backed by the state administration, is being made to have the legislature of the State of New York enact a Compul- sory Automobile Liability Insurance Law. In 1937, the State *of New Hampshire enacted what has come to be known as a security type Financial Responsibility Law. Since then a similar type law has been enacted in forty-three other states and the Territory of Hawaii.' Ohio enacted such a law in * President, The Ohio Farmers' Companies, LeRoy, Ohio; President, Me- dma County Bar Association; Member of the Ohio Bar. I Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delavrare, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Ne-

What Is HeinOnline?

HeinOnline is a subscription-based resource containing thousands of academic and legal journals from inception; complete coverage of government documents such as U.S. Statutes at Large, U.S. Code, Federal Register, Code of Federal Regulations, U.S. Reports, and much more. Documents are image-based, fully searchable PDFs with the authority of print combined with the accessibility of a user-friendly and powerful database. For more information, request a quote or trial for your organization below.



Short-term subscription options include 24 hours, 48 hours, or 1 week to HeinOnline.

Purchase Access

Contact us for annual subscription options:

Contact Us

Already a HeinOnline Subscriber?

Log In

profiles profiles most