Yeah VA-Jim, I also forgot to add in Ohio, if you are in a crash, get a citation or are asked for proof of insurance and you don't have it, you simply pay a fee. You are asked to sign a statement when renewing you plates if you have car insurance, guess what EVERYBODY says? And, if you are ever stopped and get the penalty and can't get your plates UNTIL you can show proof of insurance, guess what some do? Get a policy, go down to the BMV, show proof, get their plates, come home and cancel the policy. We are a bit behind the times here in OH. So, apply this to companies, not get insurance, pay the fee, lay people off. Simplistic? Could it happen? I don't know, only time will tell.