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this post was submitted on 15 Oct 2024
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Insurance is required in all of Michigan, with fines, license suspension, and jail all possible for not having it. With Michigan's no-fault insurance we have some of the highest rates in the country in Detroit—especially relative to income—and almost no viable alternative to owning a car.
That said, as a native Detroiter I feel safer in Detroit driving around other Detroiters, the suburbanites and out of state folks are always in the way.
I thought I heard that insurance laws changed maybe since then or around that time and there was a reason for a lot of hit and runs. I don't know, but that was my experience a while ago. The weird part was mostly how the dude had no visible reaction at all except to take off, which probably could've been anywhere.
As an out of towner I did have trouble with the short on ramps. I wasn't sure how to get into a rhythm because there was no place to get up to speed. I didn't like feeling like I had to shove my way in and it was hard to tell how to let others in safely. I suppose you just know those things when you live there long enough.
Those are some of the first below-grade expressways built in the country, so the shorter on ramps are from an era with fewer and slower cars, and there isn't space to lengthen them. The law only changed to stop the insurance companies from using zip codes to determine rates, and reduced the maximum payout for healthcare related costs from a crash, with the aim of lowering costs, but of course the insurance companies worked around it.
I learned about the infrastructure at the time but that's why being unaccustomed was a hinderance, especially when it's unexpected. The insurance stuff seems likely more in line with what I was told than what I was remembering in short.