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Car Insurance is Too Cheap

The War on Cars

Release Date: 03/19/2024

Political Courage with Brad Lander show art Political Courage with Brad Lander

The War on Cars

Brad Lander has been a fixture in New York’s progressive political scene for nearly two decades now, and has earned a reputation as a strong advocate for bike lanes, bike share, driver accountability, and congestion pricing. This year, though, he’s become known in a new way. As a candidate in a crowded Democratic mayoral primary, Brad cross-endorsed Zohran Mamdani, who eventually won the race with a margin that shocked the Democratic establishment. And in June, mere days before the primary ended, Brad was escorting a man named out of an immigration hearing . Brad joins us to explain how...

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The War on Cars

This is a preview of a . For complete access to this and all of our bonus content, plus ad-free versions of regular episodes, merch discounts, presale tickets to live shows, and more, . In this bonus episode, Doug and I discuss a couple of recent studies that look at just how destructive cars are to the social fabric of our communities, how they decrease life satisfaction, and how walkable neighborhoods with public gathering places are an important resources for combating the loneliness epidemic.  As we often say, we have custom-built our communities for cars, in the name of...

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Should the Bus Be Free? With Yonah Freemark show art Should the Bus Be Free? With Yonah Freemark

The War on Cars

Should the bus be free? That’s the question everyone following the New York City mayoral race is asking, with Democratic primary winner Zohran Mamdani promising to focus on fast, free buses if he’s elected to City Hall. Eliminating bus fares is a big idea, but is it a good one? Like a lot of things in politics, there’s no simple answer. That’s why we asked Yonah Freemark — a researcher in cities, land use, and transportation at the Urban Institute — to walk us through the pros and cons of making the bus free for everyone. Whatever you think about it, the good news is that everyone...

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The War on Cars

This is a preview of a . For complete access to this and all of our bonus content, plus ad-free versions of regular episodes, merch discounts, presale tickets to live shows, and more, . While we were researching and writing  last year, we read and pulled information from dozens upon dozens of books. There were also a handful of books that caught our attention but that, try as we might, didn't quite warrant inclusion in our own. In this Patreon exclusive, we talk about two of these books: "Road Safety: How to Reduce Accidents" by T.S. Skillman (1965) and an anthology called "He Rides...

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The War on Cars

At this year’s Velo-city conference in Gdansk, the theme was “Energizing Solidarity,” in honor of the city’s history as the cradle of the Solidarity labor movement that helped bring down Communism in Poland. Velo-city is an incredibly good-mood event put on each year by the European Cyclists’ Federation, where people come from all over the world to share best practices in urban cycling, and to connect with their fellow advocates, elected officials, and other members of the wider cycling community.  Sarah talked with advocates, government officials, and researchers how bicycles...

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PREVIEW: Are Cyclists Too Mean Online? show art PREVIEW: Are Cyclists Too Mean Online?

The War on Cars

This is a preview of a . For complete access to this and all of our bonus content, plus ad-free versions of regular episodes, merch discounts, pre-sale tickets to live shows and more, . Are cyclists too mean online? To read some of the headlines about a recent study, you'd think the answer was yes. blared the headline in The Guardian. The subhead said that "toxic" online debates can make officials and other people in government reluctant to pursue cycling-related transportation projects. Adding one and one together, any reader would likely assume that it's those "forceful bike...

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The War on Cars

Why have some cities become places where it's easy to hop on a bike for daily transportation needs while others have languished or even been left behind? Is there some sort of magical combination of forces that separate the best cycling cities from basically everywhere else? Those are the questions asked by , a research project headed by Dr. Ruth Oldenziel, a Professor in The History of Technology at Eindhoven University of Technology. Nthoki Dorcas Nyamai, an Urban Development Researcher at International Planning Studies, TU Dortmund University, also joins us to talk about her research into...

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The War on Cars

Recently, on an episode of the Netflix show Everybody’s Live with John Mulaney, the subject turned to bike lanes. Or rather, the subject was turned to bike lanes by Natasha Lyonne. The actress, writer, director and producer said that bike lanes should be “shut down” and claimed that there is no space for them in Manhattan. was on Everybody’s Live as a “public transit expert” to talk about Uber, but soon found herself — as a public-transit-riding Los Angeles resident — defending bike lanes and explaining the rational apportionment of urban space to some pretty famous New...

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TEASER: Live from Minneapolis! show art TEASER: Live from Minneapolis!

The War on Cars

This is a preview of a . For complete access to this and all of our bonus content, plus ad-free versions of regular episodes, merch discounts, pre-sale tickets to live shows and more, . And don't miss our new book, now available for pre-sale wherever you purchase books. Enjoy this preview of our live show, recorded before a sold-out crowd at The Cedar Cultural Center in Minneapolis and presented by Our Streets on April 24th, 2025. Our guests included Minneapolis City Council member Robin Wonsley, State Representative Samantha Sencer-Mura, filmmaker D.A. Bullock, and John Edwards of...

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Overcoming the Threat to Black Movement with Charles T. Brown show art Overcoming the Threat to Black Movement with Charles T. Brown

The War on Cars

Charles T. Brown is a longtime friend of the podcast who was . We welcomed him back to talk about his important new book, Arrested Mobility: Overcoming the Threat to Black Movement, out now from Island Press. Charles is the founder and principal of , a minority- and veteran-owned urban planning, public policy and research firm focused at the intersection of transportation, health and equity. He is also an adjunct professor at the .  In Arrested Mobility, Charles applies his years of experience in the field to examine how what he calls “the four Ps”—policing, public policy, polity,...

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It has never been more expensive to insure a car in the United States. Today, the average annual premium for full coverage is more than $2,500, up from more than $1,700 just a few years ago. There are a lot of reasons for this—including the high price of cars, supply chain issues, and the rising frequency and severity of crashes—but no matter how you add it up it’s a huge problem in a country where driving is a ticket to full participation in society. 

Despite this, what if we told you that car insurance is still way too cheap? That’s something most people don’t understand until they or someone they love is directly affected by traffic violence. Today, mandatory state minimum coverage requirements have not kept up with the rising cost of car crashes, something all of us subsidize whether we drive or not—and that crash victims often pay for with life and limb.

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LINKS:

Learn more about Michelle DuBarry and her advocacy for a Made Whole Doctrine in Oregon.

Why Car Insurance in America is Actually Too Cheap, by Daniel Knowles in The Economist.

Buy a copy of Carmageddon: How Cars Make Life Worse and What To Do About It by Daniel Knowles and get books by previous podcast guests at our official Bookshop.org page.

Steve Vaccaro: “New York City’s best-known lawyer advocate for bicyclist and pedestrian rights.”

Auto Insurance Spike Hampers the Inflation Fight (New York Times)

NHTSA: Traffic Crashes Cost American $340 Billion in 2019

Buy t-shirts, stickers, hats and more in The War on Cars merch store

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This episode was recorded by Josh Wilcox at the Brooklyn Podcasting Studio. It was written, produced and edited by Doug Gordon. Our theme music is by Nathaniel Goodyear.

 

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