It's mandatory that you should have motor vehicle insurance. The law stipulates that if you are caught operating a vehicle without the requisite insurance coverage you will be prosecuted. This somewhat creates a free ride for the insurances because it assures them guaranteed business. On the flip side, however, there is no law to ensure that claimants are duly paid when they make a claim, sometimes the insurance companies apply a long drawn-out process, which in most instances, are unwarranted before claims are settled for motor and another insurance claims. I believe that there should be some sort of ruling to address this problem of overdue delay in settling claims, there, should be some equity regarding both sides of the coin.