BB> Sort of like insurance, but the money would come out of your
BB> pocket directly, instead of an insurance company.
 RT> Actually, that makes the answer...yes.   Both are forms of insurance.
Yep, but with clarification, which is why I stated, yes, and no.
 RT> What the law usually requires is proof of financial liability.  That
 RT> may be done by purchasing insurance or posting a bond (self-insuring)
 RT> for the amount required to meet state laws.
Exactly.
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